#1Barclays PLC H1 2022 Results 28 July 2022 BARCLAYS#2C.S. Venkatakrishnan Barclays Group Chief Executive#3Statutory PBT of £3.7bn and ROTE of 10.1% in H122 Strong operating performance Income momentum Cost discipline Low impairment charge Attributable profit of £2.5bn¹ despite the net of tax impact of Over- issuance of Securities in the US² of £(0.6)bn Group income up 10% YoY³ with diversified strategy delivering broad- based income growth across all businesses Operating costs (which exclude L&C4) up 2% YoY-balancing inflation, business growth, selective strategic investments and efficiency savings • £0.3bn impairment charge (LLR5: 17bps) - managing credit risk in an uncertain macro environment, with appropriate provision levels Income £13.2bn Cost: income ratio 69% PBT £3.7bn ROTE 10.1% EPS 14.8p CET1 ratio 13.6% Strong capital position CET1 ratio of 13.6%, within target range of 13-14% Increased shareholder distributions · 2.25p per share half year dividend (H121: 2p per share) Announced intention to initiate further share buyback of up to £0.5bn TNAV per 297p share Total capital return c.5.25p equivalent per share 1 The 6% appreciation of average USD against GBP positively impacted income and profits and adversely impacted credit impairment charges and total operating expenses | 2 Refers to the over-issuance of securities under Barclays Bank PLC's US shelf registration statements on Form F-3 filed with the US Securities and Exchange Commission in 2018 and 2019. Please refer to the Barclays PLC Interim 2022 Results Announcement for details. This matter will be referred to as "Over-issuance of Securities" hereafter | 3 Excludes Q222 income of £758m from hedging arrangements relating to the Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 4 Litigation and conduct charges | 5 Loan loss rate | 3 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#4Update on Over-issuance of Securities Key updates since Q122 results • Barclays PLC and Barclays Bank PLC (BBPLC) each filed a Form 20-F/A, completing the restatement process • Commenced £1bn share buyback announced at FY21 • BBPLC filed an automatic shelf registration on Form F-3, under which it can issue unlimited amount of securities Prepared rescission offer for launch £165m provision related to estimated monetary penalty from SEC 1 August 2022 12 September 2022 14 September 2022 Timeline of rescission offer Launch rescission offer Expected end of rescission offer • Next steps • External-led counsel review to be completed shortly Consider findings of the review and take appropriate actions in response • Continue to engage with regulators 4 | Barclays H1 2022 Results | 28 July 2022 Communication of initial results of rescission offer BARCLAYS#5Another strong performance in Q222 across all operating businesses PBT: £1.5bn Barclays UK AP: £1.1bn Group ROTE: 8.7%1 Consumer, Cards and Payments EPS: 6.4p Corporate and Investment Bank Income +6% £1.7bn Income +29% £1.1bn Income +10%2 £3.3bn² ROTE 18.4% ROTE 17.8% ROTE 7.1%³ 1 Group RoTE excluding the net impact of the Over-issuance of Securities was 11.5%. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 2 Excludes Q222 income of £758m from hedging arrangements relating to the Over- issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 3 CIB ROTE excluding the net impact of the Over-issuance of Securities was 11.4%. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 5 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#6Broad income momentum with H122 Group income up 10% YoY¹ Strong income growth across all operating businesses (£bn) +5% Drivers of income growth 3.2 H121 1.6 H121 +20% Sensitivity to increasing interest rates 3.4 BUK Higher transaction-based revenues H122 US cards balance growth CC&P 2.0 Increase in Payments transactions activity H122 ZZ 0.84 6.6 +10%1 7.2 H121 H122 Client wallet share gains in Markets³ CIB Rates and fee-driven tailwinds for Transaction Banking 1 Excludes Q222 income of £758m from hedging arrangements relating to the Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 2 Q222 income from hedging arrangements relating to the Over- issuance of Securities | 3 Coalition Greenwich, Institutional Client Analytics FY18 & FY21. Share of Institutional clients based on the wallet of 1,650 clients in 2018 and 1,738 clients in 2021 | 6 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#74 2 10 8 6 Inflation uncertainty but GDP growth and unemployment resilient Monthly YoY inflation 1 (%) Interest rates (%) Jun-22:9.40 GBP 5 Year Jun-22:9,10 swap rate² 3.25 2.75 2.25 1.75 1.25 0.75 0.25 -0.25 O Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 -UK ⚫US GDP growth and inflation forecasts (%) Real GDP growth³ Dec-20 Mar-21 Jun-21 Sep-21 Inflation rate4 Dec-21 Mar-22 Jun-22 Dec-18 Mar-19 Jun-19 Sep-19 UK base rate Jun-22: 2.48 Dec-19 Unemployment rate forecasts 5 (%) Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22: 1.25 Jun-22 8.6 8.0 4.3 4.5 3.9 3.7 4.0 4.1 5.0 3.7 2.5 2.0 3.4 2.0 0.6 1.2 1.5 1.8 UK US UK US UK US 2022 2023 2024 UK US 2022 UK US 2023 UK US 2024 7 | Barclays H1 2022 Results | 28 July 2022 1 UK CPI YY (Refinitiv: GBHICY=ECI) and US CPI YY NSA (Refinitiv: USCPNY=ECI) | 2UK Pound Sterling SONIA OIS Zero 5 Year Point (Refinitiv: GBPOIS5YZ=R) | ³ Median UK GDP annual average % change based on polls as of 25th July 2022. Median US GDP annual average % change based on polls as of 20th July 2022 (Refinitiv: Economic Indicator Polls) | 4 Median UK CPIFY % change based on polls as of 25th July 2022. Median US CPI FY % change based on polls as of 20th July 2022 (Refinitiv: Economic Indicator Polls) | 5 Median UK unemployment rate forecasts based on polls as of 25th July 2022 (Refinitiv: Economic Indicator Polls). Median US unemployment rate forecasts based on polls as of 20th July 2022 (Refinitiv: Economic Indicator Polls) | BARCLAYS#8Barclays is prepared to navigate this uncertainty Dedicated to helping customers, clients and colleagues Supporting clients through market volatility More conservative risk positioning and management Updated affordability models Supporting customers through cost of living pressures Targeted £1,200 pay rise for 35,000 colleagues in the UK most affected by the cost of living Diversified income streams Monitoring of customer behaviour Conservative trading position Robust coverage ratios 60% Wholesale 6% 9% 10.5% 12.8% 10.9% Investment Banking fees 15% Global Markets 20% H122 Group income by customer¹ Credit card total coverage 9.1% 10.6% 8.4% Corporate ratios Dec-19 Dec-21 Jun-22 40% Consumer UK Cards US Cards 42% UK Retail 9% 1 Excludes negative income from Head Office | 8 | Barclays H1 2022 Results | 28 July 2022 International Consumer & Payments Business Banking Group balance sheet provisions of £6.0bn including post model adjustments of £1.3bn BARCLAYS#9Highlights across each of our three strategic priorities میرا Deliver next-generation, digitised consumer financial services Deliver sustainable growth in the CIB Capture opportunities as we transition to a low-carbon economy Enhancing product capabilities Strategic consumer business acquisitions Gap Inc. Diversification of partner portfolio into retail and broadening product offering Kensington1 Extending customer base with specialist mortgage lending Investments in the franchise delivering #6 Global rank for Global Markets and Investment Banking as at FY212 +105bps Global Markets: global institutional client wallet share gain³ (FY18-FY21) XXXXX Risk Prime broker Awards of the year 2022 Winner Barclays Active sustainable finance teams Sustainable Capital Markets Sustainable and Impact Banking Lead manager on Austria's inaugural €4bn Green Bond, and the first ever Green sovereign inflation-linked €4bn bond for France in H122 Advised on 14 transactions (total value: $5.5bn) for emerging, growth, climate-technology companies in H122 Green Home Mortgages Issued >3000 Green Home Mortgages in H122 (total value: £0.7bn) 1 Transaction expected to complete in late Q422 or early Q123 | 2 Coalition Greenwich, Competitor Analytics FY21. Rank is based on Index banks. Analysis is based on Barclays' internal business structure and internal revenues | ³ Coalition Greenwich, Institutional Client Analytics FY18 & FY21. Share of Institutional clients based on the wallet of 1,650 clients in 2018 and 1,738 clients in 2021 | 9 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#10We continued to advance our ESG agenda in H122 Environment Scope 1 and 2 emissions: -82%¹ reduction against 2018 baseline Green financing: facilitated £11bn2 in H122 (2018-H122: £74bn²) Sustainable Impact Capital Programme: £27m of own capital invested in H122 (2020-H122: £81m) 88 Governance Social Met LifeSkills programme commitment to upskill 10m people from 2018 to 2022 Targeted £1,200 pay rise for 35,000 colleagues in the UK most affected by the cost of living • Held Say on Climate advisory vote at 2022 AGM; shareholders approved "Barclays' Climate Strategy, Targets and Progress 2022" Aligned 2022 annual bonuses of our Executive Directors with our climate and sustainability commitments More information can be found in our ESG Investor Presentation H122 key updates 1 Based on 12 months of consumption from 1 April 2021 to 31 March 2022 compared to 2018 baseline |2H122 capital markets financing figure is based on Dealogic data as of 04 July 2022. As data on deals is confirmed throughout the year, these numbers may be subject to changes | 10 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#11Strong H122 profitability, continue to target a ROTE >10% in 2022 H122 metrics Group targets over the medium term Returns Group RoTE 10.1% Returns Cost efficiency Cost: income ratio 69% Group RoTE >10% Continue to target a ROTE >10% in 2022 Cost efficiency Cost: income ratio <60% Capital adequacy CET1 ratio 13.6% Capital adequacy Capital distributions Capital distributions Total payout equivalent of c.5.25p per share¹ 2.25p per share half year dividend Up to £0.5bn buyback announced 1 Announced with H122 results | 11 | Barclays H1 2022 Results | 28 July 2022 CET1 ratio 13-14% Progressive ordinary dividend, supplemented with buybacks as appropriate BARCLAYS#12Anna Cross Barclays Group Finance Director#13H122 Group highlights Income £13.2bn H121: £11.3bn Cost: income ratio 69% H121: 65% Costs £9.1bn H121: £7.3bn Impairment £0.3bn charge H121: £(0.7)bn net release PBT £3.7bn H121: £4.9bn EPS 14.8p H121: 21.9p Income up 17% with broad-based and steady growth across all operating businesses Income excluding benefit from hedging arrangements relating to Over-issuance of Securities up 10%¹ Costs up £1.8bn or 25% primarily driven by higher L&C charges Operating costs (which exclude L&C) up 2% Credit impairment charge remained lower than pre-pandemic levels Attributable profit of £2.5bn generated EPS of 14.8p and RoTE of 10.1% CET1 ratio of 13.6% - down c. 150bps from Dec-21 mainly driven by 1 Jan 2022 regulatory changes, the share buyback of up to £1bn announced at FY21 results, dividend accrual and higher RWAs, partially offset by earnings Increased capital distributions, with a 2.25p half year dividend and intention to initiate a further share buyback of up to £0.5bn announced TNAV per share increased 6p YTD primarily reflecting 14.8p of EPS, partially offset by net negative reserve movements driven by higher interest rates ROTE CET1 ratio 10.1% 13.6% H121: 16.1% Dec-21: 15.1% 4,902 Profit before tax bridge (Em) 1,131 427 1,083 156 634 4,367 3,733 Liquidity TNAV per Coverage Ratio 156% Dec-21: 168% share 297p Dec-21:291p H121 Income excl. Costs excl. Impairment Over-issuance Over-issuance of Securities of Securities¹ Other net income Net impact H122 of Over-issuance of Securities¹ 1 Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | Note: 2021 financial metrics have been restated to reflect the impact of Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 13 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#14Overview of financial impacts from Over-issuance of Securities £m FY21 Q122 Q222 H122 . Income from hedging arrangements 758 758 L&C charge for estimated rescission losses ¹ 1 (220) (320) (984) (1,304) • PBT impact from estimated rescission losses (220) (320) (226) (546) Attributable loss from estimated rescission (170) (240) (176) (416) losses Provision related to estimated SEC monetary (165)² (165)2 penalty Attributable loss (170) (240) (341) (581) PBT impact from estimated rescission losses and provision related to estimated SEC monetary penalty (220) (320) (391) (711) ROTE impact CET1 ratio impact of net losses Incremental RWAs from temporary hedging arrangements CET1 ratio impact of temporary hedging arrangements c. (40)bps c.(200)bps c.(280)bps c.(240)bps (5)bps (7)bps (10)bps (18)bps £2.8bn £1.7bn £4.5bn (12)bps 1 Includes interest costs of £(75)m in FY21, £(107)m in Q122 and £(163)m in Q222 | 2 Not tax deductible | Note: Tables may not sum due to rounding | 14 | Barclays H1 2022 Results | 28 July 2022 (7)bps (19)bps Post-tax net impact of £581min H122 of which £341m in Q222 Total L&C charges relating to Over- issuance of Securities in Q222 of £1,149m, of which £984m reflects significant market moves since Q122 and £165m reflects the provision related to estimated SEC monetary penalty Significant market moves substantially offset by hedging arrangements which generated Q222 income of £758m RWAS of £4.5bn from temporary hedging arrangements expected to reverse post rescission offer being completed in Q322 Q222 CET1 ratio impacted by (17) bps QoQ of which (10)bps due to net losses including provision related to estimated SEC monetary penalty and (7)bps due to incremental hedges BARCLAYS#15Q222 Group highlights Income £6.7bn Q221: £5.4bn Costs £5.0bn Q221: £3.7bn Cost: income ratio 75% Q221: 69% Impairment £0.2bn Q221: £(0.8)bn • net release PBT £1.5bn Q221: £2.5bn EPS 6.4p Q221: 11.9p Income up 24% driven by strong performances across all operating businesses Income excluding benefit from hedging arrangements up 10% YoY² Costs up £1.3bn or 34% mainly driven by higher L&C charges of £1,334m, of which £1,149m relates to the Over-issuance of Securities and £165m relates to settlements in principle in respect of industry-wide devices investigations by SEC and CFTC Operating costs (which exclude L&C) up 3% Credit impairment charge of £0.2bn vs. credit impairment release of £(0.8)bn in Q221 Attributable profit of £1.1bn generated EPS of 6.4p and RoTE of 8.7% CET1 ratio of 13.6% - down c.20bps from Mar-22 primarily driven by earnings, more than offset by FVOCI¹ moves, and RWA growth and investments TNAV per share increased 3p QoQ primarily reflecting 6.4p of EPS, partially offset by net negative reserve movements Profit before tax bridge (Em) ROTE CET1 ratio 8.7% 13.6% Q221: 17.6% Mar-22: 13.8% 2,503 535 214 997 314 14 1,813 1,499 Liquidity TNAV per Coverage Ratio 156% Mar-22: 159% share 297p Mar-22: 294p Q221 Income excl. Costs excl. Impairment Over-issuance Over-issuance of Securities of Securities² Other net income Net impact of Over-issuance of Securities² Q222 1 Fair Value through Other Comprehensive Income | 2 Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | Note: 2021 financial metrics have been restated to reflect the impact of Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 15 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#16Broad-based drivers of income momentum Balance sheet growth Transactional activity recovery +14% 348.5 395.8 Loans and advances (£bn) H121 +14% 500.9 568.7 128.7 Deposits (£bn) H122 Sustained CIB performance 8.0 6.6 +10%1 7.2 H121 H122 Total CIB income (£bn) H121 +13% 145.4 H122 Merchant acquiring payments processed (£bn) 254 H121 Rates tailwind +13bps 267 H122 BUK NIM (bps) 1 Excludes Q222 income of £758m from hedging arrangements relating to the Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities. | 2 Q222 income from hedging arrangements relating to the Over- issuance of Securities | 16 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#17Income: 10%¹ growth YoY Q222 Group income up 10%¹ YoY (Em) 5,415 5,465 5,160 2,979 3,129 2,632 6,708 6,496 758 3,938 3,275 +10%¹ YoY • Global Markets +31%¹ FICC +71% Equities -16%, excluding benefit from hedging arrangements of £758m Advisory +8%, DCM -34% and ECM-84% Bl: Corporate & Investment Bank • Investment Banking fees -37% • Corporate +24% +29% YoY Cards & Payments • • Transaction Banking +48% Corporate Lending loss of £47m International Cards and Consumer Bank +34% mainly driven by higher US cards balances Payments +35% driven by volume growth Private Bank +14% reflecting client balance growth and improved margins 1,083 878 Bl: Consumer, 840 808 886 1,623 1,638 1,699 1,649 1,724 • Higher NII driven by rising interest rates +6% YoY • Higher transaction based revenues (27) Q221 (110); Q321 (49) 23 Q421 Q122 (132) Q222 Barclays UK • Partially offset by mortgage margin compression and lower cards income Income from hedging arrangements CIB ■ CC&P BUK Head Office 1 Excludes Q222 income of £758m from hedging arrangements relating to the Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 17 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#18H122 delivered positive operating cost: income jaws¹, 2 Delivering positive jaws 1,2 H122 vs. H121 Cost: income ratio bridge 64% 7.6% -2pp 4.4% 2.3% 0.5% 2.1% 2.3% Other costs include: Inflation Net of 62% efficiencies, business- related growth and investment spend H121 CIR¹ Income excl. FX FX Structural cost actions Other L&C Other costs H122 CIR2 Net impact of Over-issuance of Securities³ 69% Statutory H122 CIR H222 cost drivers Inflation Efficiency savings Balance sheet growth and activity Continued targeted investments Excludes Over-issuance of Securities³ Targeting <60% CIR over the medium term 1 Excludes L&C of £(77)m relating to Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 2 Excludes net impact of Over-issuance of Securities of £(711)m. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 3 Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | Note: 2021 financial metrics have been restated to reflect the impact of Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 18 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#19Costs: H122 operating costs (which exclude L&C) +2% YoY H122 vs. H121 total costs YoY (Em) 9,127 57 Structural cost actions -82% Key drivers of £0.5bn increase in base costs ⇧ 1,029 Performance costs -6% Inflation / FX: £0.3bn • 7,308 321 1,857 L&C within base costs¹ • 1,092 176 6,184 5,719 Base costs¹ (excl. L&C) +£0.5bn / +8% Efficiency savings: £(0.2)bn Inflation +£0.2bn, mainly due to wage inflation FX +£0.1bn (stronger USD is net P&L positive) Operational automation & digitisation • Process optimisation Procurement simplification Real estate and location strategy H121 H122 H122 total costs up 25% YoY primarily driven by higher L&C charges relating to Over-issuance of Securities Operating costs (which exclude L&C) up 2% YoY o Structural cost actions materially lower YoY in line with guidance o Total base costs increased by £2.1bn to £8.0bn ⇧ Investments in strategic priorities, growth and resilience: £0.4bn • • Business growth driving broad-based income momentum Focused investments, linked to our strategic priorities Improving resiliency through enhancements to technology, cybersecurity and controls 1 Costs excluding structural cost actions and performance costs | Note: 2021 financial metrics have been restated to reflect the impact of Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 19 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#20FY22 costs expected to be around £16.7bn¹ Q222 total costs YoY (Em) Increase of £1.3bn largely driven by L&C 5,016 FY22 costs outlook (£bn) 4,111 1,334 3,730 143 3,776 3,575 170 523 129 92 1,623 1,562 1,747 1,921 1,870 c.15.0 C.0.3 • FX impact, notably stronger USD vs. GBP c.1.3 Q222 charge for Over-issuance of Securities 545 598 563 667 584 1,078 1,202 1,041 998 1,085 341 95 152 85 60 Q221 Q321 Q421 Q122 Q222 FY22 outlook at Q122 FX and other ■CC&P ■CIB L&C Bank Levy • Q222 charge relating to c.16.71 settlements in principle in respect of industry-wide devices investigations by SEC and CFTC Additional L&C provision Revised FY22 outlook Head Office ■ BUK Q222 total costs driven by: L&C of £1.3bn of which £1,149m relates to the Over-issuance of Securities and £165m relating to settlements in principle in respect of industry-wide devices investigations by SEC and CFTC Q222 operating costs (which exclude L&C) up 3% YoY Continued investment and business growth, the impact of inflation and the appreciation of average USD against GBP, partially offset by efficiency savings and the non-recurrence of structural cost actions FY23 considerations for costs Efficiency savings Business related growth Selective investment spend Lower L&C FX ✰ Inflation 1 Group cost outlook is based on an average USD/GBP FX rate of 1.23 across H222 and subject to foreign currency movements | Note: 2021 financial metrics have been restated to reflect the impact of Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | Note: Charts may not sum due to rounding | 20 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#21Impairment: Q222 charge of £0.2bn, reflecting lower unsecured lending balances and maintained appropriate coverage ratios 30 day arrears rates Credit card balances 1.6% 1.5% 1.6% 1.6% 1.4% BUK: UK cards End Net 15.9 11.2 9.6 1.4% 1.0% 1.0% 1.0% 1.0% Receivables (£bn) CC&P: US cards 9.2 Dec-19 Dec-20 Jun-21 Dec-21 Mar-22 Jun-22 9.5 9.6 Q221 Q321 Q421 Q122 Q222 UK cards US cards End Net Receivables ($bn) 27.1 21.0 20.1 22.2 21.9 26.2 Total impairment charge / (release) (£m) Dec-19 Dec-20 Jun-21 Dec-21 Mar-22 Jun-22 UK and US cards coverage ratios (797) 20bps 13bps 15bps 36.6% 12.8% UK cards 21.6% 10.5% 26.3% 10.9% 120 141 200 (31) Dec-19 Dec-21 Jun-22 40.3% 10.6% 21.3% US cards 9.1% 33.5% 8.4% Q221 Q321 Q421 Q122 Q222 Dec-19 Dec-21 Jun-22 ■Impairment charge Loan loss rate ● Total Stage 2 Impairment charge is expected to remain below pre-COVID-19 pandemic levels in coming quarters 21 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#22Retaining management adjustments due to uncertainty Macroeconomic variables (MEVS) Balance sheet impairment allowance and management adjustment Q222 Baseline MEVS Q222 Downside 1 MEVS 2022 2023 2024 2022 2023 2024 Impairment allowance (Em) Dec-19 Mar-22 Write- P&L Other offs charge incl. FX Jun-22 UK GDP UK unemployment Annual growth Quarterly average Allowance pre-model 6,290 4,715 4,736 3.9% 1.7% 1.6% 3.5% -1.6% 0.6% adjustment 4.0% 4.1% 3.9% 4.6% 6.2% 6.2% Post-Model Adjustment (PMA) 340 1,323 1,287 US GDP US unemployment Annual growth Quarterly average 3.3% 2.2% 2.1% 2.7% -1.0% 1.1% of which: economic uncertainty adjustments 1,462 1,038 3.6% 3.5% 3.5% 4.1% 5.7% 6.2% of which: other PMAS Total 340 (139) 249 6.630 6,038 (422) 200 207 6,023 • 5.2 1.0 Total impairment allowance remained broadly unchanged at £6.0bn Coverage ratios remain broadly stable across portfolios 4.2 4.7 Q222 Weighted Q222 Downside 1 Scenario Scenario Economic uncertainty adjustments ■Model ECL¹ Economic uncertainty adjustments provide headroom to a modelled move to Downside 1 MEVs (see above) Impairment charge is expected to remain below pre-COVID-19 pandemic levels in coming quarters 1 Excludes non-modelled exposures including the newly acquired GAP portfolio | 22 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#23Q222 Barclays UK ROTE of 18.4% reflecting higher rates, with Q222 NIM of 2.71% Income £1.7bn Q221: £1.6bn Costs £1.1bn Q221: £1.1bn Cost: income Impairment ratio 64% Q221: 68% Q221: £(0.5)bn release Loan loss rate n/a Q221: n/a PBT £0.6bn Q221: £1.0bn Average ROTE 18.4% Q221: 29.1% Loan: deposit ratio equity¹ £10.0bn Q221: £9.9bn RWAs £72.2bn 85% Mar-22: 85% Mar-22: £72.7bn Income up 6% capturing the benefit from rising interest rates NIM increased 9bps QoQ to 2.71% driven by higher rates, partially offset by mortgage margin compression FY22 NIM expected to be between 2.80%- 2.90%² Costs broadly flat driven by efficiency savings, offset by increased investment spend and inflationary pressures Nil impairment charge reflecting low flows to delinquency, lower UK unemployment, with reduced uncertainty around COVID-19 impacts offset by customer vulnerability to high inflation Loans³ decreased £1.4bn QoQ - Growth in mortgages (£0.5bn) and cards (£0.4bn) Reduction in business banking of £2.4bn, primarily due to lower ESHLA4 portfolio carrying value and continued repayment of government lending schemes Customer deposits 5 increased c. £1bn QoQ maintaining a strong loan: deposit ratio of 85% Q221 Q321 Q421 Q122 Q222 Total income (Em) 1,623 1,638 1,699 1,649 1,724 318 335 386 310 331 1,303 1,305 1,313 1,339 1,393 Non-interest income Net interest margin (NIM) 2.55% 2.49% 2.49% 2.62% 2.71% Costs (Em) 1,097 1,243 1,051 1,007 1,101 137 48 Impairment (Em) (520) (59) Loans³ (£bn) 208 209 209 207 206 Customer deposits 5 (£bn) 256 257 261 260 262 1 Average allocated tangible equity | 2 Assumes the UK base rate increases to 2.50% by the end of 2022 | 3 Loans and advances at amortised cost | 4 Education, Social Housing and Local Authority | 5 Customer deposits at amortised cost | 23 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#24Q222 Barclays International ROTE of 8.4% driven by strong income growth, offset by litigation and conduct charges Income up 34% Income £5.1bn Q221: £3.8bn Costs £3.9bn Q221: £2.3bn - Diversified income profile across businesses and geographies 21% Income excluding benefit from hedging arrangements relating to Over-issuance of Securities up 14% 11% Business diversity of Q222 income 57% (Em) Cost: income ratio 75% Q221: 60% Loan loss rate 49bps Q221: n/a Impairment £0.2bn charge Q221: £(0.3)bn release PBT £1.1bn Q221: £1.8bn ROTE 8.4% Q221: 14.9% Average equity¹ £37.3bn Q221: £32.4bn 10% appreciation of average USD against GBP was a tailwind to income and profits, and a headwind to impairment and costs Costs up 67% mainly driven by the incremental litigation and conduct charges in CIB Operating costs (which exclude L&C) up 17% Impairment charge of £0.2bn reflecting net increase in modelled impairment in CIB and higher balances in US cards, including the impact of acquiring the GAP portfolio - Single name wholesale loan charges in the quarter remained limited Total assets £1,251bn Mar-22: £1,159bn RWAs increased £18.7bn QoQ to £263.8bn RWAS £263.8bn Mar-22: £245.1bn 11% Global Markets Investment Banking fees Corporate CC&P 7% 13% Americas 33% Geographic diversity of H122 income² (%) UK ■ Europe Other 47% 1 Average allocated tangible equity | 2 BBPLC H122 income, based on location of office where transactions were recorded | Note: 2021 financial metrics have been restated to reflect the impact of Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 24 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#25Q222 Barclays International: Corporate & Investment Bank ROTE of 7.1%. Excluding the impact of the Over-issuance of Securities, ROTE would be 11.4%¹ Income £4.0bn Q221: £3.0bn Costs £3.2bn Q221: £1.7bn Cost: income ratio 79% Q221:57% Impairment £0.1bn charge Q221: £(0.2)bn release CIB income up 35% Income excluding benefit from hedging arrangements relating to Over-issuance of Securities up 10% Global Markets income up 76%, (excluding benefit from hedging arrangements of £758m up 31%): higher activity, supporting clients in volatile markets FICC up 71% driven by strength in Macro (Rates, FX and EM) - Equities up 82% (excluding benefit from hedging arrangements of £758m down -16%) Q221 Q222 GBP basis Q221 Q222 USD basis5 2,710 +16% Global Markets income 1,672 (Em)4 2,182 +31% 2,332 653 -16% 1,085 813 -25% 777 1,897 +52% 1,529 +71% 1,247 895 FICC Equities4 1,215 ROTE PBT £0.8bn Q221: £1.5bn 7.1% Q221: 14.0% Investment Banking fees down 37%, primarily due to lower industry wallet in Equity Capital Markets³ Corporate lending income of £(47)m impacted by marks on certain leverage loan positions, higher cost of hedging and credit protection Transaction banking income up 48% driven by improved margins, deposit growth and higher payments volumes Costs up 87% driven by higher L&C charges 873 Investment Banking 598 687 -43% 554 -37% fees 429 349 -42% income 281 -34% 314 (Em) 226 46 -85% 37 -84% 218 236 +8% 303 292 -4% Advisory ECM DCM Average equity² £32.7bn Q221: £28.4bn Total assets £1,170bn Mar-22: £1,090bn - Operating costs (which exclude L&C) up 15% driven by investment in talent, systems and technology, and inflationary impacts 539 +24% 434 RWAS £227.6bn Mar-22: £213.5bn Impairment charge of £0.1bn due to net increase in modelled impairment and limited wholesale loan charges RWAs increased £14.1bn QoQ driven by weaker GBP, temporary hedging arrangements and increased modelled market risk Corporate income (Em) 586 +48% 396 38 (47) Corporate lending Transaction banking 1 Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 2 Average allocated tangible equity | 3 Source: Dealogic for the period covering 1 January to 30 June 2022 | 4 Excludes Q222 income of £758m from hedging arrangements relating to the Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 5 USD basis is calculated by translating GBP revenues by month for Q222 and Q221 using the corresponding GBP/USD FX rates | Note: 2021 financial metrics have been restated to reflect the impact of Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 25 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#26Q222 Barclays International: Consumer, Cards & Payments ROTE of 17.8% reflecting strong income performance driven by economic recovery and business growth Income £1.1bn Q221:£0.8bn Costs £0.7bn Q221: £0.6bn Cost: income Impairment ratio 62% Q221: 72% £0.1bn Q221: £(42)m release Loan loss rate 132bps Q221: n/a ROTE 17.8% Q221: 21.8% Total assets £80.6bn Mar-22: £69.2bn PBT £0.3bn Q221: £0.3bn Average equity¹ £4.6bn Q221: £4.0bn RWAS £36.2bn Mar-22: £31.6bn • Income up 29% - Payments income up 35% driven by higher volumes and margin improvements following the easing of lockdown restrictions in the past year International Cards and Consumer Bank income up 34% as higher US cards balances were partially offset by higher customer acquisition costs Private Bank income up 14% reflecting client balance growth and improved margins Total US cards balances increased 30% reflecting recovery post pandemic and acquisition of the GAP portfolio consisting of $3.3bn of end net receivables Merchant acquiring volumes continue to recover following the easing of lockdown restrictions Costs up 11% driven by investment spend, including an increase in marketing costs and costs relating to onboarding of the GAP partnership Impairment increased to £0.1bn driven by higher balances in US cards, including the acquisition of the GAP portfolio, partly offset by lower provisions held for uncertainty RWAs increased by £4.6bn QoQ primarily driven by acquisition of the GAP portfolio and weaker GBP Q221 Q321 Q421 Q122 Q222 1,083 840 878 886 808 147 Total 109 126 134 245 130 income 214 200 214 188 (Em) 691 517 490 552 538 International Cards Private Bank Payments & Consumer Bank US cards End Net Receivables 20.1 21.1 22.2 21.9 26.2 ($bn) Merchant 67.3 70.0 71.5 71.3 74.1 Acquiring payments 28.2 27.2 27.6 29.9 27.3 processed² 39.1 42.8 43.9 41.4 46.8 (£bn) In-store Online Impairment (Em) 110 96 134 144 (42) 67.2 67.5 69.4 71.4 77.9 Deposits³ 14.8 15.0 15.3 16.0 18.8 (£bn) 52.5 52.5 54.1 55.4 59.1 Private Bank International Cards and Consumer Bank 1 Average allocated tangible equity | 2 Based on the value of transactions. Includes turnover associated with government savings products. In-store refers to all non-online transactions | ³ Includes deposits from banks and customers at amortised cost | 26 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#27Q222 Head Office Q221 Q321 Q421 Q122 Q222 23 Income (Em) (110) (132) (27) (49) (114) (86) (59) (155) Costs (Em) (325) Other net income/ 8 11 78 2 (expenses) (Em) (18) Loss before tax (Em) (147) (198) (180) (338) (73) RWAs (£bn) 12.01 11.81 11.0 11.0 8.6 Average equity2 (£bn) 4.2 6.5 5.1 1.7 3.6 1 Restated to reflect the impact of the Over-issuance of Securities | 2 Average allocated tangible equity | 27 | Barclays H1 2022 Results | 28 July 2022 • Q222 income of £(132)m including: £(42)m loss on sale from the partial disposal of our stake in Absa Group Limited ("Absa") in April 2022 Hedge accounting losses Funding costs on legacy capital instruments Negative treasury items Partially offset by Absa dividend BARCLAYS#28High quality and robust liquidity and funding positions Liquidity coverage ratio (LCR) • • Loan: deposit ratio² Loans (£bn) 82% Deposits (Ebn) LDR 168% 162% 161% 71% 159% 70% 70% 156% Minimum requirement: 100% Jun-21 Sep-21 569 Dec-21 Mar-22 Jun-22 519 481 Liquidity 416 396 291 293 291 320 343 339 343 362 pool¹ (£bn) Liquidity 108 107 116 115 119 surplus (£bn) 31-Dec-19 31-Dec-20 31-Dec-21 30-Jun-22 Quality of the liquidity pool remains high, with the majority held in cash and deposits with central banks, and highly rated government bonds The increase in liquidity pool was driven by deposit growth and an increase in wholesale funding, which were partly offset by an increase in business funding consumption Liquidity pool of £343bn represents 22% of Group balance sheet Loan: deposit ratio of 70% as at 30 June 2022, +2% QoQ and flat YoY 1 Liquidity pool as per the Group's Liquidity Risk Appetite | 2 Loan: deposit ratio is calculated as loans and advances at amortised cost divided by deposits at amortised cost | 28 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#29Q222 CET1 ratio of 13.6% 42bps generated from profits more than offset by reserve movements and RWA growth QoQ CET1 ratio 1 movements 13.8% 42bps 17bps 27bps 17bps 19bps 9bps 6bps c.15bps 10bps due to net losses and 7bps due to incremental hedges 13.6% 13.6% Mar-22 Attributable profit (excluding Fair Value RWA Over-issuance through Other growth and Comprehensive investments of Securities Dividend accrual FX and other Jun-22 Announced up to £0.5bn share buyback Reversal of hedges from Re-based Jun-22 for Over-issuance Income Over-issuance share buyback of Securities and hedges of Securities)² reversal CET1 capital £45.3bn £1.4bn (£0.6bn) RWAS £328.8bn £6.4bn (£0.3bn) (£0.3bn) £1.2bn £46.7bn (£0.5bn) £1.7bn £7.6bn³ £344.5bn (£4.5bn) £46.2bn £339.9bn 1 The fully loaded CET1 ratio was 13.4% as at 30 June 2022 (13.6% as at 31 March 2022) | 2 See slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 3 Includes £9.0bn of RWA growth from FX movements on credit risk, counterparty credit risk and standardised market risk RWAs | Note: Charts and tables may not sum due to rounding | 29 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#3013-14% CET1 ratio target continues to provide appropriate headroom above evolving MDA hurdle Illustrative evolution of minimum CET1 requirements and buffers 13-14% CET1 ratio target 13.6% MDA Hurdle 10.9% 2.7% headroom 11.9% 11.4% 1.0% 0.5% 2.5% 2.5% 2.5% 1.5% 1.5% 1.5% 2.4% 2.4% 2.4% 4.5% 4.5% 4.5% Jun-22 Pillar 1 requirement Pillar 2A CET1 requirement G-SII buffer Dec-22 Jul-23 Capital Conservation Buffer (CCB) Countercyclical Buffer (CCyB) • • • • CET1 ratio target of 13-14%, with an appropriate headroom over the MDA hurdle, which is currently 10.9%¹ UK countercyclical buffer (CCyB): To be re-introduced at 1% in Q422 and subsequently rising to 2% in Q323. Expect the requirements to translate at a rate of c.50% for the Group Target RoTE of >10% translates to c.150bps of annual CET1 ratio accretion Notable items: • • Pensions: Potential accelerated impact of c.30bps in Q422. There may be a pension-related reduction in Pillar 2A requirements in 2022, which could partially mitigate the impact of the unwind on the Group surplus capital position. See slide 33 for further details Kensington Mortgage Company: Impact of c.12bps upon completion of acquisition. Transaction subject to regulatory approval and expected to complete in late Q422 or early Q123 Basel 3.1: Estimated impact of 5-10% increase on 2021 RWA level on 1 Jan 2025. Introduction of Basel 3.1 may be partially mitigated by a reduction in Pillar 2A requirements Q222 spot leverage ratio of 5.1% and average UK leverage ratio of 4.7% 1 Barclays' MDA hurdle at 10.9% reflecting the Pillar 2A requirement as per the PRA's Individual Capital Requirement | 30 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#31Outlook Returns Barclays continues to target a RoTE of >10% in 2022 Income Costs Impairment • • Barclays' diversified income streams position the Group well for the current economic and market environment and rising interest rates Given £1.3bn of litigation and conduct charges in Q222 and the appreciation of average USD against GBP, Barclays now expects FY22 total operating expenses to be around £16.7bn¹ versus previous outlook of £15.0bn² While acknowledging macroeconomic uncertainty, the impairment charge is expected to remain below pre-pandemic levels in coming quarters given reduced unsecured lending balances and existing coverage ratios Capital Barclays continues to target a CET1 ratio within the range of 13-14% Capital returns Barclays' capital distribution policy incorporates a progressive ordinary dividend, supplemented with buybacks as appropriate 1 Group cost outlook is based on an average USD/GBP FX rate of 1.23 across H222 and subject to foreign currency movements | 2 Previous FY22 Group cost outlook was based on an average USD/GBP FX rate of 1.31 throughout 2022 | 31 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#32Appendix#33Barclays is well-positioned to deliver sustainable double digit returns 1 2.2% 2 £(1.0)bn 1.0% Interest rates £(0.5)bn NII uplift from higher rates Post-tax modelled credit impairment release² Cards and Fee income Д Impairment Increased credit impairment, but below pre-COVID-19 levels Tax Higher effective tax 13.1%1 Growth in unsecured balances DTA re- measurement rate Increase in payments 10.0% and transaction banking income 介 Cost dynamics Investment spend Inflationary pressures Higher L&C charges Efficiency savings Lower structural cost actions4 IB performance dynamics Capital markets activity Performance costs flexibility 2021 ROTE Impairment Tax Illustrative headwinds and tailwinds³ >10% Medium-term target ROTE 12021 financial metrics have been restated to reflect the impact of Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 2 Post-tax equivalent of Stage 1 and 2 impairment release of £1,346m | ³ Bars not to scale 42021 structural cost actions reduced the 2021 ROTE by 1.1% | Note: Charts may not sum due to rounding | 33 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#34Mortgage growth continues, well positioned for rising rates 150 125 100 75 Indexed card spending data¹ UK debit and credit cards UK credit cards Mortgages US credit cards 148 BUK: Mortgage balances (£bn) 143.3 148.3 155.2 158.1 159.1 159.6 23 Dec-19 Dec-20 Jun-21 Dec-21 Mar-22 Jun-22 94 50 Jan-20 Apr-20 Jul-20 Oct-20 Jan-21 Apr-21 Jul-21 Oct-21 Jan-22 Apr-22 Credit cards Strong mortgage flow from new applications, with net balances up £0.5bn QoQ and £4.4bn YoY in Q222 Q222 margins have reduced from the levels seen in FY21 Group NII interest rate sensitivity BUK: UK cards End Net Receivables (£bn) CC&P: US cards End Net Receivables ($bn) 15.9 11.2 9.6 9.5 9.2 9.6 Illustrative Group income impact from a 25bps upward parallel shift in interest rate curves² (Em) Year 1 Year 2 Year 3 C.225 Dec-19 Dec-20 Jun-21 Dec-21 Mar-22 Jun-22 27.1 21.0 20.1 22.2 21.9 26.2 Dec-19 Dec-20 Jun-21 Dec-21 Mar-22 Jun-22 Balances up QoQ with recovery in spending expected to support unsecured lending balances Completion of GAP portfolio acquisition added $3.3bn of balances to US cards • Expect income headwinds from higher acquisition costs as new accounts and balances grow, particularly in the US C.375 C.525 Barclays is well positioned for a rising rate environment given significant deposit balances The scenario above assumes a 25bps parallel shift in interest rates, with the additional benefit in years 2 and 3, primarily reflecting the structural hedge being reinvested in higher yielding swaps Around two thirds of the Group income benefit from the illustrative 25bps upward parallel shift is in BUK, with the remaining in Bl Given recent moves in the yield curve and the increase in hedge notional, the structural hedge contribution in FY22 is currently expected to be materially higher than in FY21 34 | Barclays H1 2022 Results | 28 July 2022 1 UK debit and credit cards data based on Barclays debit and credit cards transactions, as per the monthly Barclays UK Consumer Spending Report. UK credit cards spend excludes balance transfers | 2 See slide 36 for more details | BARCLAYS#35Structural hedge Structural hedge programme update Dec-19 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Structural hedge dynamics FY21 H122 Hedge notional (£bn) Total hedge income (Em) 1,415 879 224 228 238 256 171 188 192 198 Average hedge balances (£bn) Yield on hedge (%) 204 237 0.69 0.74 3.0 2.0 GBP 5 Year 1.0 swap rate¹ (%) 0.0 2016 2017 2018 2019 2020 2021 2022 -Zero Yield Close 5 Year Moving Average 2.48 0.75 Q420 Q121 Q221 Q321 Q421 Q122 Q222 Gross hedge contribution 501 (Em) 377 350 341 353 371 378 1 UK Pound Sterling SONIA OIS Zero 5 Year Point (Refinitiv: GBPOIS5YZ=R) | 35 | Barclays H1 2022 Results | 28 July 2022 • • • The Group's combined gross equity and product structural hedge contribution was £501m in Q222 (Q122: £378m) The combined structural hedge notional as at Jun-22 was £256bn, an £18bn increase from Mar-22 and an £85bn increase from Dec-19 The £85bn increase in structural hedge notional is relative to an increase in Group deposits of £153bn since Dec-19 The average duration of the structural hedge remains at close to 3 years Given recent moves in the yield curve and the increase in hedge notional, the structural hedge contribution in FY22 is currently expected to be materially higher than in FY21 BARCLAYS#36Interest rate sensitivity Illustrative sensitivity of Group NII to a parallel shift in interest rate curves¹ NII impact of parallel shifts in interest rate curves (Em) Year 1 Year 2 Year 3 25bps upward C.225 C.375 C.525 25bps downward c.(250) c.(400) c.(550) • • • This analysis assumes an instantaneous 25bps parallel shift in interest rate curves and a 25bps shock to the underlying bank rate Around two thirds of the Group income benefit from the illustrative 25bps upward parallel shift is in BUK, with the remaining in Bl This sensitivity is calculated using a constant balance sheet - i.e. maturing business is reinvested at a consistent tenor and margin Actual pricing decisions may differ from the illustrative scenarios. In the event of multiple rate rises, the pass-through is likely to be higher for subsequent rate rises Pass-through is limited on the downward scenario, as customer rates are floored at 0% for GBP and USD deposits2, including when the downward scenario reflects negative base rates This analysis does not apply floors to shocked market rates, thus reflecting the impact of negative base rates on Group NII in the downward scenario This sensitivity is not a forecast of interest rate expectations. In the event of an interest rate change, the actual impact on Group NII may differ from that illustrated in this analysis Compared to Q122, the £50m reduction in illustrative Group NII benefit in Year 1 from a 25bps upward parallel shift reflects the growth in the structural hedge notional, which provides more long-term stability to the income profile 1 This sensitivity is based on the modelled performance of the consumer and corporate banking book only, including the impact of both the product and equity structural hedges. It provides the absolute annual impact of a 25bps shock on Group NII over the next three years, for illustrative purposes only, and is based on a number of assumptions regarding variables which are subject to change. Such assumptions might also differ from those underlying the AEAR calculation in the Barclays PLC Annual Report 2021 | 2 With regards to the relatively modest balance of EUR deposits that are currently subject to charging, no incremental pass-through of further rates reductions are assumed in the illustrative scenario | 36 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#37Jun-22 coverage ratios remain strong Credit cards, unsecured loans and other retail lending Gross exposure (£bn) Impairment allowance (£bn) Coverage ratio Gross exposure (£bn) 60.2 3.4 8.1% 8.8% 7.3% 52.6 4.9 45.8 2.5 10.8 4.0 3.9 68.5% 2.3 64.5% 57.7% 130.3 151.7 2.8 177.0 2.7 16.2 Wholesale loans Impairment allowance (£bn) Coverage ratio 0.8% 0.8% 0.7% 6.5 5.6 2.3 2.4 10.4 15.9 23.2% 22.3% 18.9% 1.5 1.4 18.7% 30.1% 23.9% 1.2 1.2 1.0 2.9% 1.6% 1.7% 46.0 158.1 43.6 37.8 133.0 2.0 1.7 1.6 117.5 0.6 0.5 1.2% 2.2% 2.0% 0.5 0.3 0.3 0.1% 0.3% 0.3% 0.5 0.8 0.9 0.3 0.4 0.4 0.1 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Home loans Total loans Gross exposure (£bn) Impairment allowance (£bn) Coverage ratio 154.9 2.1 169.7 171.7 2.1 0.3% 0.3% 0.3% 2.2 19.5 18.7 17.0 0.5 0.5 16.1% 18.7% 18.9% 345.4 7.9 38.2 Gross exposure (£bn) 401.3 367.2 7.3 7.2 41.1 Impairment allowance (£bn) Coverage ratio 1.8% 1.6% 1.4% 41.5 40.7% 34.8% 32.3% 0.4 6.3 5.7 5.5 0.4% 0.3% 0.2% 6.2% 4.9% 4.5% 148.1 150.9 352.6 3.2 135.7 0.3 0.4 0.4 299.3 318.9 2.5 2.4 2.4 2.0 1.9 0.2% 0.4% 0.4% 0.1 0.1 0.0 0.0 0.0 0.0 0.7 1.2 1.3 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 ■Stage 1 Stage 2 ■Stage 3 Note: Charts may not sum due to rounding | 37 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#38Jun-22 UK and US cards coverage ratios remain robust UK cards Gross exposure (£bn) Impairment allowance (£bn) Coverage ratio Gross 16.5 1.7 10.5% 12.8% 10.9% exposure (£bn) 23.3 US cards Impairment allowance (£bn) Coverage ratio 0.8 22.5 0.9 9.1% 10.6% 8.4% 1.5 5.1 0.5 1.3 65.1% 67.0% 67.5% 18.0 2.1 2.1 2.8 0.9 1.9 2.0 79.6% 72.6% 72.9% 9.9 9.9 1.1 0.5 0.5 0.3 21.6% 36.6% 26.3% 2.1 2.4 0.3 1.2 0.7 0.7 21.3% 40.3% 33.5% 20.4 1.1 18.2 10.6 0.8 15.4 0.7 0.7 7.3 7.1 0.6 1.2% 2.0% 1.8% 0.6 1.6% 3.5% 3.1% 0.5 0.6 0.1 0.3 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 UK Personal loans and partner finance Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Germany and other unsecured lending Gross exposure (£bn) Impairment allowance (£bn) Coverage ratio Gross exposure (£bn) Impairment allowance (£bn) Coverage ratio 12.4 0.6 0.7 5.4% 6.0% 5.2% 11.6 4.8% 3.9% 3.6% 10.3 0.8 1.6 8.8 0.5 1.3 7.6 7.8 0.5 70.7% 73.2% 69.6% 0.5 1.1 0.4 0.4 0.4 40.6% 42.1% 29.4% 0.3 0.3 0.4 0.4 1.4 0.8 [ 0.8 0.3 10.5% 18.0% 14.3% 0.2 10.2 0.2 0.2 11.5% 10.6% 10.5% 0.2 9.6 8.7 6.5 6.6 6.9 0.2 0.1 0.8% 1.1% 0.8% 0.2 0.1 0.1 0.1 0.7% 0.7% 0.6% 0.1 0.1 0.1 0. 0.1 0.1 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 Dec-19 Dec-21 Jun-22 ■Stage 1 Stage 2 ■Stage 3 Note: Charts may not sum due to rounding | 38 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#39Wholesale exposures are diversified and appropriately covered, including in selected sectors 171.7 52.6 Total gross loans and advances¹ £401.3bn ■ Wholesale excl. Debt Wholesale and selected sector exposure Wholesale lending excl. Debt Securities (£bn) Selected sectors (£bn/coverage ratio %) Hospitality & Leisure 38.9 (1.6%) Securities 130.9 130.9 ■ Debt Securities 38.9 Selected Sectors 5.9 (1.8%) 1.2 (2.3%) Passenger Travel 7.4 (1.4%) Wholesale ■ Other ■ Home Loans 43.1 Corporates ■ESHLA² 5.3 (2.2%) Discretionary Retail & Consumer Manufacturers ■Real Estate 46.1 ■ Other Retail 10.3 38.6 Financial Institutions 17.1 (1.4%) Autos 1.3 (1.2%) 0.7 (1.2%) Steel & Aluminium Manufacturers • • Well diversified portfolio across sectors and geographies Majority of exposure (>65%) is to clients internally rated as Investment Grade or have a Strong Default Grade classification. Non-Investment Grade exposure is typically senior and lightly drawn c.30% of the book is secured, increasing to >60% for the selected sectors c.25% synthetic protection against c£51bn of on balance sheet exposure in the CIB Lending portfolio c.30% synthetic protection on an exposure at default (EAD) basis for the CIB Lending portfolio, with higher average levels of protection for selected sectors, lower quality credits and unsecured exposures Active identification and management of high risk sectors enable actions to be taken to enhance lending criteria and reduce risk profile Covenants in place based on leverage, LTVs, and debt service ratios for clients in high risk sectors 1 Loans and advances at amortised cost | 2 Education, Social Housing and Local Authority | Selected sectors have evolved as macroeconomic uncertainty has shifted from COVID-19 towards areas particularly exposed to weaker consumer sentiment/cost inflation, ongoing higher input costs and supply chain disruptions Discretionary Retail & Wholesale - top names are typically consumer staples and includes all discretionary names Passenger Travel - tenor of lending typically with an average life of 2-4 years, senior secured for high yield counterparties and focused on top tier airlines in the UK and US. Also includes aircraft leasing and related industries Consumer Manufacturers - includes any consumer product including non- discretionary e.g. food Real Estate - includes construction. Lack of visibility in long term demand for commercial real estate post COVID-19 due to changes in working patterns. In addition to underlying tenants' exposure to macro challenges 39 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#40Retail portfolios in the UK and US continue to be appropriately positioned UK mortgages • • Strong balance growth supported by elevated market demand Arrears levels at multi-year lows 50.8% average balance weighted LTV of mortgage book stock Buy-to-Let mortgages represent 12.8% of the book 158.2 159.7 UK 148.3 mortgage 143.3 69.5% balance 68.6% 67.9% 67.5% growth within risk appetite 51.1% 50.7% 50.7% 50.8% FY19 FY20 FY21 H122 Average LTV on flow Average LTV on stock Gross L&A 8.8 8.7 8.8 8.6 UK cards • • Balances have shown marginal growth during Q2, following periods of lower lending demand and higher repayment rates Overall balances remain significantly below pre-pandemic levels Arrears rates remain stable at low levels Portfolio resiliently positioned against potential affordability stress US cards • Portfolio remains well positioned across key segments with good risk/return balance • Arrears remain near historical lows, but monitoring portfolio for signs of stress Assets trending higher YoY and successful launch of GAP co- brand and private label card programme added $3.3bn (£2.7bn) • Continuing our focus on partnership co-brand strategy 40 | Barclays H1 2022 Results | 28 July 2022 8.4 UK cards 1.4% arrears rates 1.0% 1.0% 1.0% 1.0% improved YOY 0.6% 0.3% 0.2% 0.3% 0.2% Q221 Q321 Q421 Q122 Q222 30 day arrears 90 day arrears Net L&A 21.3 15.2 16.1 16.3 14.1 US cards arrears rates 1.6% 1.5% 1.6% 1.6% 1.4% improved YOY 0.9% 0.7% Q221 Q321 0.8% 0.8% 0.7% Q421 Q122 Q222 30 day arrears 90 day arrears Net L&A BARCLAYS#41QoQ and YTD TNAV per share movements QoQ TNAV movements (pence per share) • 6 2 294 4 8 8- 4 297 Mar-22 Earnings Share buyback Dividends paid Pension remeasurement Currency translation Cash flow hedge reserve FVOCI reserve Jun-22 reserve TNAV per share increased 3p to 297p due to: +6p of earnings +2p due to share buyback +3p pension remeasurement +8p currency translation reserve due to weakening of GBP against USD of c.8% YTD TNAV movements (pence per share) Partially offset by: -4p dividends paid -8p cash flow hedge reserve -4p FVOCI¹ reserve 2 4 15 291 6 10 23 5 2 297 Dec-21 Earnings Share buyback Dividends paid Own credit reserve Pension remeasurement Currency translation reserve Cash flow hedge reserve FVOCI reserve Other movements Jun-22 • TNAV per share increased 6p to 297p due to: +15p of earnings +2p due to share buyback +6p own credit reserve 1 Fair value through other comprehensive income | +7p pension remeasurement +10p currency translation reserve due to weakening of GBP against USD of c. 10% Partially offset by: -4p dividends paid -23p cash flow hedge reserve -5p FVOCI¹ reserve -2p other movements 41 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#42H122 CET1 ratio of 13.6% 94bps generated from profits more than offset by regulatory changes and RWA growth YTD CET 1 ratio 1 movements 15.1% 94bps c.80bps 23bps 44bps 37bps 18bps 31bps 8bps 13.6% Dec-21 Attributable profit (excluding Regulatory changes from 1 Jan 2022 Over-issuance of Securities) 2 Fair Value through Other Comprehensive Income RWA growth and investments Over-issuance of Securities Dividend accrual Share buyback FX and other Jun-22 CET1 capital RWAS £47.3bn £314.1bn £3.0bn (£1.7bn) (£0.8bn) (£0.6bn) (£0.6bn) (£1.0bn) £1.1bn £46.7bn £6.6bn £9.8bn £4.5bn £9.5bn³ £344.5bn 1 The fully loaded CET1 ratio was 13.4% as at 30 June 2022 (14.7% as at 31 December 2021) | 2 See slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 3 Includes £12.3bn of RWA growth from FX movements on credit risk, counterparty credit risk and standardised market risk RWAs | Note: Charts and tables may not sum due to rounding | 42 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#43RWA increase driven by book growth and FX QoQ RWA movements (£bn) 328.8 (0.1) 6.6 Mar-22 Hedges from Over- issuance of Securities Book size Acquisition and disposals 1 YTD RWA movements (£bn) (1.4) 9.0 344.5 2 FX Other Jun-22 (2.8) 12.3 (0.2) 10.0 4.5 6.6 314.1 Dec-21 Regulatory changes Hedges from Over- from 1 Jan 2022 issuance of Securities Book size Acquisition and disposals FX 2 Other 344.5 Jun-22 1 The GAP portfolio acquisition contributed £2.0bn of RWAs and the partial disposal of Barclays' equity stake in ABSA reduced RWAs by £2.1bn | 2FX on credit risk, counterparty credit risk and standardised market risk RWAs | Note: Charts may not sum due to rounding | 43 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#44IFRS 9 transitional relief of c.20bps as at Jun-22 Constructive regulatory action in Q220 gave greater relief for Stage 1 and 2 impairments 75% transitional relief for modified impairment post Dec-19 applied in 2022 Transitional relief schedule for static component per original schedule Total post-tax IFRS 9 transitional relief as at Jun-22 is c.£0.6bn or c.20bps capital, flat QoQ and down c.20bps compared to Dec-21 IFRS 9 modified transitional relief applies to Stage 1 and 2 impairments - - Transitional basis of capital remains the relevant measure for our capital adequacy assessment by regulators Total post-tax IFRS 9 transitional relief reduced by c.20bps to c.20bps from 1 Jan 2022 IFRS 9 Transitional relief CET1 add-back (£bn) 2.6 Relief Schedule Pre-2020 2020 onwards 1.7 2020 70% 100% 1.2 1.1 2021 50% 100% 0.6 2022 25% 75% 0.6 0.6 1.1 0.9 0.3 0.3 Modified 2023 50% 0.7 0.3 0.3 Static 2024 25% Dec-19 Dec-20 Dec-21 Mar-22 Jun-22 Note: Charts may not sum due to rounding | 44 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#45Pension deficit reduction contributions • Potential acceleration of CET1 ratio headwinds from pension reduction contributions During 2019 and 2020, the UK Retirement Fund (UKRF), the Group's main pension scheme, subscribed for non-transferable listed senior fixed rate notes for £1.25bn. As a result of these transactions, the CET1 impact of the 2019 and 2020 deficit contributions was deferred until 2023, 2024 and 2025 upon maturity of the notes Following the PRA's statement on 13 April 2022, Barclays is planning to unwind these transactions and to agree the terms and timing of this unwind with the UKRF Trustee as part of the next triennial actuarial valuation as at 30 September 2022. Upon unwind, this would result in a c.30bps reduction to the CET1 ratio potentially being accelerated to Q422 from 2023, 2024 and 2025 As at 30 June 2022, the UKRF was in an accounting surplus of £5.2bn on an IAS19 basis and as at 30 September 2021 was in a funding surplus of £0.6bn There may also be a pension related reduction in Pillar 2A requirements in 2022 which could partially mitigate the impact of the unwind on the Group surplus capital position Capital impact schedule per FY21 results Potential accelerated capital impact schedule Capital impact of deficit reduction contributions (£bn) Sum 2022 2023 2024 2025 2022 2023 2024 2025 2022-25 Sum 2022-25 Based on 2019 Triennial valuation (0.3) (0.3) (0.6) (0.3) (0.3) (0.6) Dec-2019 £500m Senior Notes 1 (0.5) (0.5) (0.5) (0.5) Jun-2020 £750m Senior Notes 1 Capital impact (pre-tax) (0.3) (0.25) (0.25) (0.25) (0.75) (0.55) (0.75) (0.25) (0.75) (0.75) (1.85) (1.55) (0.3) (1.85) Capital impact (pre-tax bps) - based on Jun-22 RWAs (9)bps (16)bps (22)bps (7)bps (54)bps (45)bps (9)bps I (54)bps Capital impact (approximate post-tax c.(40)bps bps) based on Jun-22 RWAS 1 During 2019 and 2020 the UKRF subscribed for non-transferable listed senior fixed rate notes for £1,250m, backed by UK gilts (the Senior Notes) | 45 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#46Group leverage position appropriately managed Reg min 3.775% UK Spot: 5.1% UK Average: 4.7% 1.3% headroom 0.0% 0.525% Illustrative evolution of minimum leverage requirements and buffers under the UK regime 4.175% 3.975% 0.2% 0.525% 0.4% 0.525% Q222 headroom to minimum leverage requirement of 130bps The RWA-based CET1 ratio is expected to remain our primary regulatory constraint through the cycle Following the BoE's Financial Policy Committee (FPC) and the PRA's review of the UK leverage framework, the Group now has a single UK leverage requirement from 1 Jan 2022. The requirement must be met on a daily basis UK spot leverage ratio 5.3% 3.25% 3.25% 3.25% Jun-221 Dec-22 BoE minimum leverage requirement ■G-SII leverage buffer Jul-23 Countercyclical Leverage Buffer Dec-20 5.2% 5.1% 2 Dec-21 Jun-22 1 Leverage ratio calculated applying the transitional arrangements of the CRR as amended by CRR II. This includes IFRS 9 transitional arrangements | 2 The comparative capital and financial metrics relating to Q221-Q421 have been restated to reflect the impact of the Over- issuance of Securities | 46 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#47Financial results tables#48H122/Q222 notable items Six months ended (£m) Income Income from hedging arrangements for Over-issuance of Securities One-off gain from the sale and leaseback of UK data centres Costs Structural cost actions - real estate review Other structural cost actions Jun-22 Jun-21 758 CIB 86 Head Office (266) Head Office (57) (55) Group Litigation & Conduct -Over-issuance of Securities¹ (1,469) (77) CIB - Customer remediation costs on legacy loan portfolio (181) CC&P - Settlements in principle in respect of industry-wide devices investigations by SEC and CFTC - Residual (165) CIB (42) (99) Group Total Litigation & Conduct across divisions (1,857) (176) Group Other net income Fair value (loss) / gain on Barclays investment in the Business Growth Fund (16) 130 Head Office Tax charge Re-measurement of UK deferred tax assets (346) 392 Group Three months ended (Em) Jun-22 Jun-21 Costs Structural costs actions - real estate review (266) Head Office Other structural cost actions (33) (48) Group Litigation & Conduct -Over-issuance of Securities¹ (1,149) (77) CIB -Settlements in principle in respect of industry-wide devices investigations by SEC and CFTC - Residual (165) CIB (20) (66) Group Total Litigation & Conduct across divisions (1,334) (143) Group Tax charge Re-measurement of UK deferred tax assets 392 Group 1 Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 48 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#4913,204 H122/Q222 Group impacts from Over-issuance of Securities Six months ended (£m) Income Jun-22 (Statutory) Jun-22 (Adjusted) Adjustments (758) 12,446 Costs (9,127) 1,469 (7,658) Profit before tax 3,733 711 4,444 Attributable profit 2,475 581 3,056 ROTE Cost: income ratio 10.1% 2.4% 12.5% 69% (7)% 62% Three months ended (£m) Jun-22 (Statutory) Adjustments Jun-22 (Adjusted) Income 6,708 (758) 5,950 Costs (5,016) 1,149 (3,867) Profit before tax 1,499 391 1,890 Attributable profit 1,071 341 1,412 ROTE Cost: income ratio 49 | Barclays H1 2022 Results | 28 July 2022 8.7% 2.8% 11.5% 75% (10)% 65% BARCLAYS#50H121/Q221 Group impacts from Over-issuance of Securities Jun-21 (Statutory) Adjustments Jun-21 (Adjusted) Six months ended (Em) Income 11,315 11,315 Costs (7,308) 77 (7,231) Profit before tax 4,902 77 4,979 Attributable profit 3,752 60 3,812 ROTE 16.1% 0.3% 16.4% Cost: income ratio 65% (1)% 64% Three months ended (£m) Jun-21 (Statutory) Adjustments Jun-21 (Adjusted) Income 5,415 5,415 Costs (3,730) 77 (3,653) Profit before tax 2,503 77 2,580 Attributable profit 2,048 60 2,108 ROTE Cost: income ratio 50 | Barclays H1 2022 Results | 28 July 2022 17.6% 0.5% 18.1% 69% (2)% 67% BARCLAYS#51H122/Q222 BI and CIB impacts from Over-issuance of Securities Barclays International (BI) Corporate and Investment Bank (CIB) Six months ended (Em) Jun-22 (Statutory) Income 9,940 Adjustments (758) Costs (6,874) 1,469 Jun-22 (Adjusted) 9,182 (5,405) Six months ended (£m) Jun-22 (Statutory) Adjustments Jun-22 (Adjusted) Income 7,971 (758) 7,213 Costs (5,423) 1,469 (3,954) Profit before tax 2,769 711 3,480 Profit before tax 2,516 711 3,227 Attributable profit 2,083 581 2,664 Attributable profit 1,895 581 2,476 ROTE 11.5% 3.3% 14.8% ROTE 11.9% 3.8% 15.7% Cost: income ratio 69% (10)% 59% Cost: income ratio 68% (13)% 55% Three months ended (£m) Jun-22 (Statutory) Adjustments Income 5,116 (758) Jun-22 (Adjusted) 4,358 Three months ended (Em) Jun-22 (Statutory) Adjustments Jun-22 (Adjusted) Income 4,033 (758) 3,275 Costs (3,856) 1,149 (2,707) Costs (3,184) 1,149 (2,035) Profit before tax 1,056 391 1,447 Profit before tax 784 391 1,175 Attributable profit 783 341 1,124 Attributable profit 579 341 920 ROTE 8.4% 3.8% 12.2% ROTE 7.1% 4.3% 11.4% Cost: income ratio 75% (13)% 62% Cost: income ratio 79% (17)% 62% 51 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#52H121/Q221 BI and CIB impacts from Over-issuance of Securities Barclays International (BI) Corporate and Investment Bank (CIB) Six months ended (Em) Jun-21 (Statutory) Adjustments Income 8,218 Jun-21 (Adjusted) 8,218 Six months ended (£m) Jun-21 (Statutory) Adjustments Jun-21 (Adjusted) Income 6,573 6,573 Costs (4,767) 77 (4,690) Costs (3,588) 77 (3,511) Profit before tax 3,766 77 3,843 Profit before tax 3,258 77 3,335 Attributable profit 2,638 60 2,698 Attributable profit 2,252 60 2,312 ROTE 16.3% 0.4% 16.7% ROTE 15.9% 0.4% 16.3% Cost: income ratio 58% (1)% 57% Cost: income ratio 55% (2)% 53% Three months ended (£m) Jun-21 (Statutory) Adjustments Income 3,819 Jun-21 (Adjusted) 3,819 Three months ended (Em) Jun-21 (Statutory) Adjustments Jun-21 (Adjusted) Income 2,979 2,979 Costs (2,308) 77 (2,231) Costs (1,701) 77 (1,624) Profit before tax 1,795 77 1,872 Attributable profit 1,207 60 1,267 Profit before tax Attributable profit 1,507 77 1,584 989 60 1,049 ROTE 14.9% 0.7% 15.6% ROTE 14.0% 0.8% 14.8% Cost: income ratio 60% (2)% 58% Cost: income ratio 57% (2)% 55% 52 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#53H122/Q222 Group Six months ended (£m) - Operating costs Income Impairment (charges)/releases - Litigation and conduct Total operating expenses Other net (expenses) / income Profit before tax (3) 3,733 4,902 Jun-22 Jun-21 % change 13,204 11,315 +17% (341) 742 (7,270) (7,132) -2% (1,857) (176) (9,127) (7,308) 153 Three months ended (£m) Income Jun-22 Jun-21 % change 6,708 5,415 +24% Impairment (charges) /releases (200) 797 -Operating costs (3,682) (3,587) -3% -Litigation and conduct (1,334) (143) -25% Total operating expenses (5,016) (3,730) -34% Other net income 7 21 -67% -24% Profit before tax 1,499 2,503 -40% Tax charge (823) (742) -11% Tax charge (209) (246) +15% Profit after tax 2,910 4,160 -30% Profit after tax 1,290 2,257 -43% Non-controlling interests (21) (19) -11% Non-controlling interests (20) (15) -33% Other equity instrument holders (414) (389) -6% Other equity instrument holders (199) (194) -3% Attributable profit 2,475 3,752 -34% Attributable profit 1,071 2,048 -48% Performance measures Performance measures Basic earnings per share 14.8p 21.9p Basic earnings per share 6.4p 11.9p ROTE 10.1% 16.1% ROTE 8.7% 17.6% Cost: income ratio Loan loss rate Balance sheet RWAS 69% 17bps 65% Cost: income ratio 75% 69% Loan loss rate 20bps Balance sheet £344.5bn £307.4bn RWAS £344.5bn £307.4bn Note: 2021 financial metrics have been restated to reflect the impact of Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 53 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#54H122/Q222 Barclays UK Six months ended (£m) Jun-22 Jun-21% change Three months ended (£m) Jun-22 Jun-21% change -Personal Banking 2,099 1,910 +10% - Personal Banking 1,077 987 +9% -Barclaycard Consumer UK 541 605 -11% -Barclaycard Consumer UK 265 290 -8% -Business Banking 733 684 +7% - Business Banking 382 346 +10% Income 3,373 3,199 +5% Income 1,724 1,623 +6% -Personal Banking (21) 50 - Personal Banking (42) 72 -Barclaycard Consumer UK 40 398 -90% -Barclaycard Consumer UK 84 434 -81% -Business Banking (67) (5) - Business Banking (42) 14 Impairment (charges) /releases (48) 443 Impairment releases 520 -Operating costs (2,083) (2,114) +1% - Operating costs (1,085) (1,078) -1% -Litigation and conduct Total operating expenses (25) (2,108) (2,136) (22) -14% -Litigation and conduct +1% Total operating expenses (16) (1,101) (1,097) (19) +16% Other net income Other net income Profit before tax 1,217 1,506 -19% Profit before tax 623 1,046 -40% Attributable profit 854 1,019 -16% Attributable profit 458 721 -36% Performance measures Performance measures ROTE 17.0% 20.6% ROTE 18.4% 29.1% Average allocated tangible equity £10.0bn £9.9bn Average allocated tangible equity £10.0bn £9.9bn Cost: income ratio 62% 4bps 67% Cost: income ratio 64% 68% 2.67% 2.54% Loan loss rate NIM Balance sheet L&A to customers at amortised cost £205.9bn £207.8bn Customer deposits at amortised cost £261.5bn £255.5bn RWAS £72.2bn £72.2bn Balance sheet L&A to customers at amortised cost £205.9bn £207.8bn Customer deposits at amortised cost £261.5bn £255.5bn RWAS £72.2bn £72.2bn Loan loss rate NIM 2.71% 2.55% 54 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#55H122/Q222 Barclays International Six months ended (£m) Income Impairment (charges) /releases - Operating costs Jun-22 Jun-21 % change 9,940 8,218 +21% (310) 293 (5,042) (4,606) Three months ended (Em) Income Jun-22 Jun-21 % change 5,116 3,819 +34% Impairment (charges) /releases (209) 271 -9% -Operating costs (2,537) (2,168) -17% -Litigation and conduct (1,832) (161) -Litigation and conduct (1,319) (140) Total operating expenses (6,874) (4,767) -44% Total operating expenses (3,856) (2,308) -67% Other net income 13 22 -41% Other net income 5 13 -54% Profit before tax 2,769 3,766 -26% Profit before tax 1,056 1,795 -41% Attributable profit 2,083 2,638 -21% Attributable profit 783 1,207 -35% Performance measures Performance measures ROTE 11.5% 16.3% ROTE 8.4% 14.9% Average allocated tangible equity £36.2bn £32.3bn Average allocated tangible equity £37.3bn £32.4bn Cost: income ratio Loan loss rate 69% 37bps 58% Cost: income ratio 75% 60% Loan loss rate 49bps NIM 4.34% 3.95% NIM Balance sheet RWAS Balance sheet £263.8bn £223.2bn RWAs 4.52% 3.96% £263.8bn £223.2bn Note: 2021 financial metrics have been restated to reflect the impact of Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 55 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#56H122/Q222 Barclays International: Corporate & Investment Bank Six months ended (Em) - FICC Jun-22 Jun-21 % change Three months ended (£m) Jun-22 Jun-21 % change 3,173 2,099 +51% - FICC 1,529 895 +71% - Equities 2,463 1,709 +44% - Equities 1,411 777 +82% Global Markets 5,636 3,808 +48% Global Markets 2,940 1,672 +76% - Advisory 421 381 +10% -Advisory 236 218 +8% -Equity capital markets 84 469 -82% -Equity capital markets 37 226 -84% -Debt capital markets 697 882 -21% -Debt capital markets 281 429 -34% Investment Banking fees 1,202 1,732 -31% Investment Banking fees 554 873 -37% - Corporate lending 78 244 -68% -Corporate lending (47) 38 - Transaction banking 1,055 789 +34% - Transaction banking 586 396 +48% Corporate 1,133 1,033 +10% Corporate 539 434 +24% Total income 7,971 6,573 +21% Total income 4,033 2,979 +35% Impairment (charges) / releases (32) 272 Impairment (charges) / releases (65) 229 - Operating costs (3,791) (3,509) -8% - Operating costs (1,870) (1,623) -15% -Litigation and conduct (1,632) (79) -Litigation and conduct (1,314) (78) Total operating expenses (5,423) (3,588) -51% Total operating expenses (3,184) (1,701) -87% Other net income Other net income Profit before tax 2,516 3,258 -23% Profit before tax 784 1,507 -48% Attributable profit 1,895 2,252 -16% Attributable profit 579 989 -42% Performance measures Performance measures ROTE Average allocated tangible equity 11.9% £31.8bn £28.3bn 15.9% ROTE 7.1% 14.0% Cost: income ratio 68% 55% Balance sheet RWAS £227.6bn £194.3bn Average allocated tangible equity Cost: income ratio Balance sheet RWAS £32.7bn 79% £28.4bn 57% £227.6bn £194.3bn Note: 2021 financial metrics have been restated to reflect the impact of Over-issuance of Securities. Please see slides 49-52 for details of the adjustments made in respect of the Over-issuance of Securities | 56 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#57H122/Q222 Barclays International: Consumer, Cards & Payments Six months ended (£m) Three months ended (£m) Jun-22 | Jun-21 % change Jun-22 Jun-21 % change - International Cards and Consumer Bank 1,229 1,050 +17% - International Cards and Consumer Bank 691 517 +34% - Private Bank 459 393 -Payments 281 202 +17% +39% - Private Bank 245 214 +14% -Payments 147 109 +35% Income 1,969 1,645 +20% Income 1,083 840 +29% Impairment (charges) /releases (278) 21 Impairment (charges) /releases (144) 42 - Operating costs - Litigation and conduct Total operating expenses (1,251) (1,097) -14% (200) (82) -144% (1,451) (1,179) - Operating costs (667) (545) -22% -Litigation and conduct (5) (62) +92% -23% Total operating expenses (672) (607) -11% Other net income 13 21 -38% Other net income 5 13 -62% Profit before tax 253 508 -50% Profit before tax 272 288 -6% Attributable profit 188 386 -51% Attributable profit 204 218 -6% Performance measures ROTE Average allocated tangible equity Cost: income ratio Loan loss rate Balance sheet RWAS 57 | Barclays H1 2022 Results | 28 July 2022 8.5% 19.1% £4.4bn £4.0bn Performance measures ROTE Average allocated tangible equity 74% 128bps 72% Cost: income ratio Loan loss rate Balance sheet £36.2bn £29.Obn RWAS 17.8% 21.8% £4.6bn £4.0bn 62% 72% 132bps £36.2bn £29.0bn BARCLAYS#58H122/Q222 Head Office Six months ended (£m) Income Impairment releases Jun-22 Jun-21 % change (109) (102) -7% 17 6 +183% Three months ended (£m) Income Impairment releases Jun-22 Jun-21 % change (132) (27) 9 6 +50% - Operating costs (145) (412) +65% - Operating costs (60) (341) +82% -Litigation and conduct 7 -Litigation and conduct 1 16 -94% Total operating expenses (145) Other net (expenses) / income (16) (405) 131 +64% Total operating expenses (59) (325) +82% Other net income 2 8 -75% Loss before tax Attributable (loss) / profit (253) (370) (462) 95 +32% Loss before tax (180) (338) +47% Attributable (loss) / profit (170) 120 Performance measures Performance measures Average allocated tangible equity £2.7bn £4.3bn Average allocated tangible equity £1.7bn £4.2bn Balance sheet Balance sheet RWAS £8.6bn £12.Obn¹ RWAS £8.6bn £12.0bn¹ 1 Restated to reflect the impact of the Over-issuance of Securities | 58 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#59Exchange rates and share count information Exchange rates Jun-22 Dec-21| Jun-21 YTD% YoY % change change Period end - USD/GBP 1.22 1.35 1.38 -10% -12% 6 month average - USD/GBP 1.30 1.36 1.39 -4% -6% 3 month average - USD/GBP 1.26 1.35 1.40 -7% -10% Period end - EUR/GBP 1 1.16 1.19 1.17 -3% -1% 6 month average - EUR/GBP 1.19 1.17 1.15 +2% +3% 3 month average - EUR/GBP 1.18 1.18 1.16 +2% Share count information Jun-22 Dec-21 | Jun-21 Period end number of shares (m) 16,5311 16,752 16,998 1 The number of shares of 16,531m is different from the 16,509m quoted in the 1 July 2022 RNS because the share buyback transactions executed on the 29 and 30 June 2022 did not settle until 1 July 2022 and 4 July 2022 | 59 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS#60Disclaimer Important Notice The terms Barclays or Group refer to Barclays PLC together with its subsidiaries. The information, statements and opinions contained in this presentation do not constitute a public offer under any applicable legislation, an offer to sell or solicitation of any offer to buy any securities or financial instruments, or any advice or recommendation with respect to such securities or other financial instruments. Information relating to: regulatory capital, leverage, liquidity and resolution is based on Barclays' interpretation of applicable rules and regulations as currently in force and implemented in the UK, including, but not limited to, CRD IV (as amended by CRD V applicable as at the reporting date) and CRR (as amended by CRR II applicable as at the reporting date) texts and any applicable delegated acts, implementing acts or technical standards and as such rules and regulations form part of UK law pursuant to the EU (Withdrawal) Act 2018 (as amended). On 31 March 2022, the temporary transitional powers (TTP) available to UK regulators to delay or phase-in on-shoring of EU legislation into UK law ended with full compliance of the on-shored regulations required from 1 April 2022. All such regulatory requirements are subject to change and disclosures made by the Group will be subject to any resulting changes as at the applicable reporting date; MREL is based on Barclays' understanding of the Bank of England's policy statement on "The Bank of England's approach to setting a minimum requirement for own funds and eligible liabilities (MREL)" published in December 2021, updating the Bank of England's June 2018 policy statement, and its MREL requirements communicated to Barclays by the Bank of England. Binding future MREL requirements remain subject to change including at the conclusion of the transitional period, as determined by the Bank of England, taking into account a number of factors as described in the policy, along with international developments. The Pillar 2A requirement is also subject to at least annual review; future regulatory capital, liquidity, funding and/or MREL, including forward-looking illustrations, are provided for illustrative purposes only and are not forecasts of Barclays' results of operations or capital position or otherwise. Illustrations regarding the capital flight path, end-state capital evolution and expectations and MREL build are based on certain assumptions applicable at the date of publication only which cannot be assured and are subject to change. Important information In preparing the ESG information in this H1 2022 Results Presentation: (i) we have made a number of key judgements, estimations and assumptions, and the processes and issues involved are complex. This is, for example, the case in relation to financed emissions, portfolio alignment, classification of environmental and social financing, operational emissions and measurement of climate risk. (ii) we have used ESG and climate data, models and methodologies that we consider to be appropriate and suitable for these purposes as at the date on which they were deployed. However, these data, models and methodologies are not of the same standard as those available in the context of other financial information, nor subject to the same or equivalent disclosure standards, historical reference points, benchmarks or globally accepted accounting principles. There is an inability to rely on historical data as a strong indicator of future trajectories in the case of climate change and its evolution. Outputs of models, processed data and methodologies will also be affected by underlying data quality which can be hard to assess. There is currently no globally accepted framework or definition (legal, regulatory or otherwise) of, nor market consensus as to what constitutes, an "ESG", "green", "sustainable", "climate-friendly" or an equivalently-labelled product, or as to what precise attributes are required for a particular investment, product or asset to be defined as "ESG", "green", "sustainable", "climate-friendly" or such other equivalent label, nor can any assurance be given that such a clear definition or consensus will develop over time. (iii) we note that the data, models and methodologies used, and the judgements, estimates or assumptions made, are rapidly evolving and this may directly or indirectly affect the metrics, data points and targets contained in this H1 2022 Results Presentation. We continue to review and develop our approach to data, models and methodologies in line with market principles and standards as this subject area matures. Further development of accounting and/or reporting standards could impact (potentially materially) the performance metrics, data points and targets contained in this H1 2022 Results Presentation. In future reports or presentations we may present some or all of the information for H122 using updated or more granular data or improved models, methodologies, market practices or standards. Such re-presented information may result in different outcomes than those included in this H1 2022 Results Presentation. Where information is re-presented from time to time, we will identify this and (where we think it is appropriate) include an explanation. It is important for readers and users of this H1 2022 Results Presentation to be aware that direct like-for-like comparisons of each piece of information disclosed may not always be possible from one reporting period to another. Forward-looking Statements This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934, as amended, and Section 27A of the US Securities Act of 1933, as amended, with respect to the Group. Barclays cautions readers that no forward-looking statement is a guarantee of future performance and that actual results or other financial condition or performance measures could differ materially from those contained in the forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate only to historical or current facts. Forward-looking statements sometimes use words such as 'may', 'will', 'seek', 'continue', 'aim', 'anticipate', 'target', 'projected', 'expect', 'estimate', 'intend', 'plan', 'goal', 'believe', 'achieve' or other words of similar meaning. Forward-looking statements can be made in writing but also may be made verbally by members of the management of the Group (including, without limitation, during management presentations to financial analysts) in connection with this document. Examples of forward-looking statements include, among others, statements or guidance regarding or relating to the Group's future financial position, income levels, assets and liabilities, impairment charges, provisions, capital, leverage and other regulatory ratios, capital distributions (including dividend pay-out ratios and expected payment strategies), projected levels of growth in banking and financial markets, projected expenditures, costs or savings, any commitments and targets (including, without limitation, environmental, social and governance (ESG) commitments and targets), business strategy, plans and objectives for future operations, group structure, IFRS impacts and other statements that are not historical or current facts. By their nature, forward-looking statements involve risk and uncertainty because they relate to future events and circumstances. Forward-looking statements speak only as at the date on which they are made. Forward-looking statements may be affected by a number of factors, including, without limitation: changes in legislation, regulation and the interpretation thereof, the development of IFRS and other accounting standards, evolving practices with regard to the interpretation and application of accounting standards, emerging and developing ESG reporting standards, the outcome of current and future legal proceedings and regulatory investigations and any related impact on provisions, the policies and actions of governmental and regulatory authorities, the Group's ability along with governments and other stakeholders to measure, manage and mitigate the impacts of climate change effectively, environmental, social and geopolitical risks and incidents or similar events beyond the Group's control, and the impact of competition. In addition, factors including (but not limited to) the following may have an effect: capital, leverage and other regulatory rules applicable to past, current and future periods; UK, US, Eurozone and global macroeconomic and business conditions; volatility in credit and capital markets; market related risks such as changes in interest rates and foreign exchange rates; changes in valuation of credit market exposures; changes in valuation of issued securities; changes in credit ratings of any entity within the Group or any securities issued by such entities; changes in counterparty risk; changes in consumer behaviour; the direct and indirect consequences of the Russia-Ukraine War on European and global macroeconomic conditions, political stability and financial markets; direct and indirect impacts of the coronavirus (COVID-19) pandemic; instability as a result of the UK's exit from the European Union (EU), the effects of the EU-UK Trade and Cooperation Agreement and the disruption that may subsequently result in the UK and globally; the risk of cyber-attacks, information or security breaches or technology failures on the Group's reputation, business or operations; the Group's ability to access funding; and the success of acquisitions, disposals and other strategic transactions. A number of these influences and factors are beyond the Group's control. As a result, the Group's actual financial position, future results, capital distributions, capital, leverage or other regulatory ratios or other financial and nonfinancial metrics or performance measures or ability to meet commitments and targets may differ materially from the statements or guidance set forth in the Group's forward-looking statements. Additional risks and factors which may impact the Group's future financial condition and performance are identified in Barclays PLC's filings with the SEC (including, without limitation, Barclays PLC's Annual Report on Form 20-F for the financial year ended 31 December 2021, as amended, and Interim Results Announcement for the six months ended 30 June 2022 filed on Form 6-K), which are available on the SEC's website at www.sec.gov. Subject to Barclays' obligations under the applicable laws and regulations of any relevant jurisdiction (including, without limitation, the UK and the US), in relation to disclosure and ongoing information, we undertake no obligation to update publicly or revise any forward-looking statements, whether as a result of new information, future events or otherwise. Non-IFRS Performance Measures Barclays' management believes that the non-IFRS performance measures included in this document provide valuable information to the readers of the financial statements as they enable the reader to identify a more consistent basis for comparing the businesses' performance between financial periods and provide more detail concerning the elements of performance which the managers of these businesses are most directly able to influence or are relevant for an assessment of the Group. They also reflect an important aspect of the way in which operating targets are defined and performance is monitored by Barclays' management. However, any non-IFRS performance measures in this document are not a substitute for IFRS measures and readers should consider the IFRS measures as well. Non-IFRS performance measures are defined and reconciliations are available on our results announcement for the period ended 30 June 2022. 60 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS