#1Barclays PLC FY 2022 Results 15 February 2023 BARCLAYS#2i !!! Strategic Update C.S. Venkatakrishnan Group CEO Financial Results Anna Cross Group Finance Director Appendix: Financials#3FY22: Delivered against our target of >10% ROTE Income Statement £25.0bn Income £7.0bn PBT 10.4% ROTE 30.8p EPS Capital & Distributions 1 Includes total dividend for 2022 of 7.25p per share and total share buybacks announced in relation to 2022 of £1.0bn | 2 Based on Barclays PLC's share price at the end of day on 10 February 2023 | 3 | Barclays FY 2022 Results | 15 February 2023 c.13.4p¹ per share c.7.2%2 yield 13.9% CET1 Ratio 295p TNAV per share BARCLAYS#4Demonstrating execution against our three strategic priorities مرا Deliver next-generation, digitised consumer financial services 10.5m Barclays UK mobile active customers (+8% YoY) +8% Increase in Mobile app logins YoY Deliver sustainable growth in the CIB Invested consistently in technology and talent, and expanded our product offering in line with our clients' needs 114bps Global Markets revenue share gains vs. top 10 Peers (2nd highest among these Peers) 1 Capture opportunities as we transition to a low carbon economy $1tn New Sustainable and Transition financing target (2023-2030) £500m Upsized Sustainable Impact Capital target (2020-2027) Kensington Gap Inc. Acquisition of specialist mortgage lender expected to complete in Q123 £2.9bn Financing income in 20222 Sole advisor on $6.8bn conEdison clean energy business sale $3.3bn card partnership has scaled US cards business c.16% CAGR Growth in financing income since 2019 Portland General Electric Lead left bookrunner on $500m green financing equity offering 1 Please refer to slide 10 for further details | 2 Please refer to slide 9 for further details | 4 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#5Strategic Update C.S. Venkatakrishnan Group CEO ii Financial Results Anna Cross Group Finance Director !!! Appendix: Financials#6FY22: Group ROTE of 10.4% with profit before impairment up Performance Reported profit before tax (£bn) 9% £25.0bn Income FY21: £21.9bn £16.7bn Costs FY21: £14.7bn 67% Cost: Income ratio FY21:67% £8.2bn Profit before impairment FY21: £7.5bn £1.2bn Impairment FY21: £(0.7)bn release 30bps Loan loss rate FY21: (18)bps 30.8p EPS FY21:36.5p 10.4% ROTE FY21:13.1% 8.2 13.9% CET1 ratio Sep-22: 13.8% 295p TNAV per share Sep-22:286p FY21 Note: Charts may not sum due to rounding | 6 | Barclays FY 2022 Results | 15 February 2023 3.0 (0.9) (1.2) (0.3) (1.9) Income Operating expenses (excl. L&C) Litigation and Conduct (L&C) Other net (expenses)/income Impairment 7.0 FY22 Total distributions in respect of 2022 of c.13.4p including a dividend of 7.25p and £1.0bn of buybacks BARCLAYS#7FY22: Double digit RoTE across all three operating businesses UK Retail Banking Barclays UK UK Business Banking Consumer Cards & Payments Corporate & Investment Bank 7 | Barclays FY 2022 Results | 15 February 2023 International Cards and Consumer Banking • Private Banking Payments FY22 ROTE 18.7% 10.0% Global Markets Investment Banking 10.2% • Corporate Banking BARCLAYS#8FY22 Income: Growth across all three operating businesses Group income (£bn) +14% 25.0 21.9 BUK +11% ■ Net Interest Margin (NIM) +34bps YoY to 2.86% 7.3 6.5 ■ US cards balances +31% YoY (in USD) 4.5 3.3 CC&P +35% ■ Value of payments processed +11% YoY Private Banking Client Assets and Liabilities¹ +10% YoY 13.4 12.3 ■ FICC +48% YoY (in USD) CIB ■ Investment Banking fees -46% YoY (in USD) +8% ■ Transaction Banking +52% YoY (0.3) FY21 (0.2) FY22 Barclays UK (BUK) Consumer, Cards and Payments (CC&P) Head Office (HO) Corporate and Investment Bank (CIB) c.40-45% of Group income in USD since 20202 1 Client Assets and Liabilities refers to customer deposits, lending and investment products including client assets under management or supervision | 2 Based on an average of FY20, FY21 and Q322 YTD income and currency mix. Range may vary depending on business mix and macroeconomic environment and historical outcomes may not be indicative of future currency mix | Note: Charts may not sum due to rounding | 8 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#9FY22 Income: Financing provides more stability to Global Markets income Global Markets income (£bn) 3.4 5.3 7.6 6.4 8.8 Our financing businesses: 1.8 5.8 1.8 4.2 ■ Provide a more stable, core income stream ■ Generate attractive returns Complement intermediation activity 6.0 ■ Are integrated across FICC and Equities 2.9 2.2 c.16% CAGR Financing income growth since 2019 2019 2020 Intermediation 2021 Financing 2022 Note: Global Markets Financing includes income related to client financing in both FICC and Equities. In FICC this includes fixed income securities repurchase agreements, structured credit, warehouse and asset backed lending. In Equities this includes prime brokerage margin lending, securities lending, quantitative prime services, futures clearing and settlement, synthetic financing, and equity structured financing. All other items are considered intermediation | Note: Charts may not sum due to rounding | 9 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#10FY22 Income: Investment delivering market share gains Top 10 Peer Global Markets revenue share change 2022 vs. 2019 (bps)¹ Client rankings #1 #2 #3 #4 33 #5 #6 #7 (16) #8 (86) #9 (170) #10 (325) 56 114 356 +114bps 25 Three-year revenue share growth in Global Markets 14 #2 Of the top 10 global Peer banks Number of Barclays Top 100 clients where Global Markets has top 5 wallet share² +37% 41 30 Barclays US Peer European Peer 2021 H1 22 1 Barclays' calculations using Peer reported financials. Top 10 Peers includes Barclays and; US Peers: Bank of America, Citi, Goldman Sachs, JP. Morgan, Morgan Stanley. European Peers: BNP Paribas, Credit Suisse, Deutsche Bank, UBS | 2 External benchmarking and Barclays internal analysis | 10 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#11FY22 Income: Interest rates tailwind likely to continue into FY23 Interest rate sensitivity Illustrative Group income impact from a 25bps upward parallel shift in interest rate curves (Em) 1 Structural hedge Q422 gross hedge income up 91% YoY 4.18% ■Structural hedge ■ Other 3.05% c.500 2.26% 3.69% Spot³ 1.52% c.150 Average 0.94% c.350 GBP 5yr Swap rate² 1.07% 0.93% 0.80% 0.66% 0.66% Hedge yield C.150 C.200 C.350 709 c.135 608 C.200 Gross hedge income (Em) 501 371 378 c.65 Year 1 Year 2 Year 3 Q421 Q122 Q222 Q322 Q422 Hedge notional £228bn £238bn £256bn £266bn £263bn 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 2022 | 2 UK Pound Sterling SONIA OIS Zero 5 Year Point (Refinitiv: GBPOISSYZ-R) | 3 Based on spot price of UK Pound Sterling SONIA OIS Zero 5 Year Point (Refinitiv: GBPOIS5YZ-R) at the end of day on 10 February 2023 | 11 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#12FY22 Costs: Investing for growth; targeting improved CIR FY22 Group costs (Ebn) CIR 67%1 CIR 67%1 16.7 0.5 14.7 0.4 1.6 1.2 0.4 FY23 Targeting a Group CIR percentage in the low 60s Cost considerations 4.4 2.3 6.9 0.7 FY21 restated L&C FX Other BUK CC&P CIB HO L&C Group → 4.3 L&C 2.7 BUK 7.8 CC&P 0.4 CIB FY22 c.30% of Group costs in USD since 2020² 1 Excluding the impact of L&C: FY21: 65%, FY22: 61% | 2 Based on an average of FY21 and Q322 YTD costs and currency mix. Range may vary depending on business mix and macroeconomic environment and historical outcomes may not be indicative of future currency mix | Note: Charts may not sum due to rounding | 12 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#13FY22 Impairment: Expect to normalise towards historical LLRs Balance sheet provisions for ECL¹ (£bn) LLR2 (bps) 6.4 6.2 0.3 (0.4) (0.1) Other ECL 1.2 1.1 Economic 0.3 0.7 uncertainty adjustments Model ECL 4.5 53 4.8 57 57 55 44 138 30 Q322 Model ECL Economic uncertainty adjustments Other ECL Q422 (18) Baseline macroeconomic 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 variables (MEVs) (%) Credit impairment charge/(release) (£bn): UK GDP growth (0.8) 0.9 1.8 2.4 2.3 1.5 1.9 4.8 (0.7) 1.2 UK unemployment 4.5 4.4 4.1 US GDP growth 0.5 1.2 1.5 US unemployment 4.3 4.7 4.7 Expect an LLR of 50-60bps in 2023, based on the current macroeconomic outlook 1 Expected Credit Losses (ECL) | 2 Loan Loss Rate (LLR) is quoted in basis points and represents total impairment charges divided by gross loans and advances held at amortised cost at the balance sheet date | 13 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#14FY22: Consumer loan book resilient for economic uncertainty UK Mortgages (£bn) UK Cards (£bn) 90 day arrears rate Net loans and advances at amortised cost (L&A) 162.2 143.2 30 day arrears rate Net L&A 14.7 LTV >85% 9.2 2.3% of total balances 1.7% 1 0.2% 0.1% (FY19: 4.1%) 0.9% FY19 FY22 US Cards (Ebn) 30 day arrears rate Net L&A 23.7 FY19 FY22 Balance paydown at high levels across the credit spectrum UK Cards US Cards 20.5 Total Coverage ratio 7.6% 8.1% FICO>6602 2.7% 2.2% 89% of balances (FY19:86%) Stage 2 Coverage ratio 19.2% 33.6% FY19 FY22 1 The reduction in 30 days delinquency for UK cards includes the impact of a change in charge off policy; notably changing the point of charge off from 180 to 120 days | 2 The FICO Score is used by lenders to help make accurate, reliable, and fast credit risk decisions across the customer lifecycle. A FICO score >660 is defined as "Prime+", which includes "Prime" and "Superprime" | 14 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#15FY22: Disciplined approach to risk in the CIB CIB RWAS up £15bn driven by FX and regulation CIB loans & advances 201 Revenue growth whilst managing RWA footprint (1) 12 216 1 FY21 Regulatory change FX Book size FY22 Loans and advances to customers and banks: £99bn £54bn corporate lending exposures; first loss protection on 32% of these loans 2,3 Group real estate lending Real estate lending: £17bn, c.4% of total group loans £10bn UK Commercial Real Estate (CRE) lending, stable vs. FY21 and well collateralised Leverage finance Leverage lending commitments down 50% since H122 1 For further details please refer to page 58 of the Barclays PLC 2022 Results Announcement | 2 Refers to synthetic credit protection from first loss guarantees within the Corporate lending portfolio (FY21: c.£47bn). In terms of credit protection, individual asset level hedges may vary, but cover a significant and diverse portion of our lending portfolio, with higher average levels of protection for selected vulnerable sectors, lower quality credits and unsecured exposure | 3 Remaining non-Corporate Lending balances largely relate to Global Markets business exposures which are well collateralised | 4 c.35% of UK CRE exposure is within Barclays UK | Note: Charts may not sum due to rounding | 15 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#16Q422: Group profit before impairment increased 29% Q422 Performance Reported profit before tax (£bn) £5.8bn Income Q421: £5.2bn £4.0bn Costs Q421: £3.8bn 69% Cost: Income ratio Q421: 73% £1.8bn Profit before impairment Q421: £1.4bn £0.5bn Impairment Q421: £(31)m release 49bps Loan loss rate Q421:(3)bps 1.4 6.5p EPS 8.9% ROTE Q421:6.4p Q421:9.0% 13.9% CET1 ratio Sep-22: 13.8% 295p TNAV per share Sep-22:286p 16 | Barclays FY 2022 Results | 15 February 2023 (0.2) 0.6 (0.5) 1.3 Q421 Income Costs Impairment Q422 BARCLAYS#17Q422: Barclays UK higher income supported by rising rates Q422 Performance £2.0bn Income Q421: £1.7bn £1.1bn Costs Q421: £1.2bn Income (£bn) +16% Net interest margin FY23 NIM expected to be greater than 3.20%2 2.0 58% £0.2bn 1.7 Cost: Income 0.5 0.29% Impairment +30% (0.33%) ratio Q421:73% Q421: £(0.1)bn 0.4 0.13% release 0.3 -24% 0.4 27bps £0.7bn Loan loss rate PBT Q421:(10)bps Q421:£0.5bn 18.7% £205.1bn 3.01% 1.2 +25% 1.0 3.10% Q322 Structural hedge Bank rate Other Q422 ROTE Loans¹ Q421:16.8% Sep-22: £205.1bn Q421 Q422 87% Loan: deposit NII £1,561m ratio Sep-22:86% £73.1bn RWAs Sep-22: £73.2bn ■Business Banking ■Barclaycard Consumer UK ■Personal Banking AIEA³ £206bn 1 Loans and advances at amortised cost | 2 Assumes the UK Bank Rate peaks at 4.25% in 2023 | 3 Average Interest Earning Assets (AEIA) | Note: Charts may not sum due to rounding | 17 | Barclays FY 2022 Results | 15 February 2023 £1,600m £205bn BARCLAYS#18Q422: CC&P strong income growth of 46% YoY Q422 Performance Income (£bn) £1.3bn Income Q421:£0.9bn £0.8bn Costs Q421: £0.6bn +46% US Cards End 1.3 Net Receivables 60% Cost: Income ratio Q421:72% £0.3bn Impairment Q421:£0.1bn 0.9 +56% 0.9 245bps £0.2bn Loan loss rate PBT 0.6 Q421:105bps Q421:£0.2bn Private Bank Client Assets and Liabilities² 13.0% ROTE Q421:11.7% 8.40% 0.3 +43% NIM 0.2 Q322:8.41% 0.1 0.1 +12% Value of Q421 Q422 payments £43.2bn Loans¹ Sep-22: £43.4bn £38.9bn International Cards and Consumer Bank RWAS Private Bank Sep-22: £38.7bn ■Payments processed 4 $29.2bn +31% vs Q421 £139.4bn of which £62.4bn AUM³ +10% vs Q421 AUM3 +6% vs. Q421 £78.2bn +6% vs Q421 CC&P: 60-70% of income and 45-50% of costs in USD since 20205 1 Loans and advances at amortised cost | 2 Client Assets and Liabilities refers to customer deposits, lending and investment products including client assets under management or supervision | 3 Assets under management (AUM) includes assets under management and supervision | 4 Includes £75.3bn (2021: £68.4bn) of merchant acquiring payments | 5 Based on an average of FY20, FY21 and Q322 YTD income, and FY21 and Q322 YTD costs currency mix. Range may vary depending on business mix and macroeconomic environment and historical outcomes may not be indicative of future currency mix | 18 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#19Q422: CIB performance demonstrates diversification benefits Q422 Performance Income (£bn) Income by business (Em) £2.6bn Income £2.0bn Costs Q421: £2.6bn Q421: £1.7bn 77% £41m 2.6 Cost: Income Impairment ratio Q421:66% Q421: £(73)m net release -2% 2.6 1.0 1.4 +35% £0.6bn 5.4% PBT ROTE Q421:₤1.0bn Q421:9.7% 1.0 0.5 -50% £33.7bn 13bps Average Loan loss rate Equity1 Q421:(29)bps 0.6 0.7 +8% Q421: £28.7bn Investment Banking Global Markets YoY % USD YoY %: FICC, 976 +79% +56% Equities, 440 -12% -23% Total +35% +18% Advisory, 197 -31% -40% ECM, 40 -75% -78% DCM, 243 -52% -58% Total -50% -56% £215.9bn RWAS £125.8bn Loans² Sep-22: £230.6bn Sep-22: £140.0bn Q421 ■Global Markets Q422 ■Investment Banking ■ Corporate Corporate Corporate lending,(128) Transaction banking, 808 +78% CIB: 50-60% of income and c.40% of costs in USD since 20203 1 Average allocated tangible equity | 2 Loans and advances at amortised cost | 3 Based on an average of FY20, FY21 and Q322 YTD income, and FY21 and Q322 YTD costs currency mix. Range may vary depending on business mix and macroeconomic environment and historical outcomes may not be indicative of future currency mix | 19 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#20Q422: Disciplined capital management Q422 CET1 ratio movements 13.8% (9bps) 31bps (9bps) (28bps) 24bps Target 13-14% MDA hurdle 11.3% Future considerations Q123 Share buyback £0.5bn:c.(15)bps IFRS 9: c. (13)bps reduction in transitional relief on 1-Jan-23 Kensington³ c.(12)bps on completion in Q123 RWA seasonality: increased business activity 13.9% 1 Sep-22 Attributable profit FY22 dividend accrual Pensions RWA discipline Other (including FX and FVOCI) 2 Dec-22 CET1 capital RWAs £48.6bn £1.0bn £(0.3bn) £(0.9bn) £(1.6bn) £46.9bn £350.8bn £0.5bn £(5.9bn) £(8.9bn) £336.5bn Medium/long-term Target RoTE of >10%: translates to c.150bps of annual CET1 ratio accretion UK countercyclical buffer (CCYB): increase to 2%, adds c.40bps to MDA in Q323 Basel 3.1: lower end of 5-10% RWA inflation on 1-Jan-25, pre-mitigation 1 Includes acceleration of capital impacts of 33bps related to pension transactions unwind | 2 FX on credit risk, counterparty credit risk and standardised market risk RWAS. FVOCI impact of (1)bp in Q422 | 3 Kensington Mortgage Company | Note: The fully loaded CET1 ratio was 13.7% as at 31 December 2022 (13.6% as at 30 September 2022) | Note: Charts may not sum due to rounding | 20 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#21Outlook Returns Targeting RoTE of greater than 10% in 2023 Income Costs Impairment Capital Capital returns 1 Assumes the UK Bank Rate peaks at 4.25% in 2023 | 21 Barclays FY 2022 Results | 15 February 2023 Diversified income streams continue to position the Group well for the current economic and market environment including higher interest rates. In 2023, Barclays UK NIM is expected to be greater than 3.20%¹ Targeting a cost: income ratio percentage in the low 60s in 2023, investing for growth whilst progressing towards the Group's medium-term target of below 60% Expect an LLR of 50-60bps in 2023, based on the current macroeconomic outlook Expect to operate within the CET1 ratio target range of 13-14% Barclays' capital distribution policy incorporates a progressive ordinary dividend, supplemented with buybacks as appropriate BARCLAYS#22iii Strategic Update C.S. Venkatakrishnan Group CEO Financial Results Anna Cross Group Finance Director Appendix: Financials#23Targets and performance Medium-term targets ROTE >10% Cost: income ratio <60% CET1 ratio 13-14% FY22 10.4% 67% 13.9% Capital returns Progressive ordinary dividend, supplemented with buybacks as appropriate Announced 2022 total capital return equivalent to c.13.4p per share Total dividend of 7.25p per share and £1bn in share buybacks 23 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#24We continued to advance our ESG agenda in 2022 Environmental Created a pathway to address our supply chain emissions Extended assessment of our financed emissions to six sectors Announced accelerated phase-out for coal- fired power generation Announced new $1tn Sustainable and Transition financing target by the end of 2030 Social Brought forward part of the 2023 pay increase, awarding 35,000 UK-based junior colleagues a £1,200 salary increase effective from August 2022 Introduced 'Equity' into our Diversity, Equity and Inclusion (DEI) strategy and set out five DEI priorities Cost of living support - Proactively contacted >13.5m customers in 2022 with targeted emails based on their financial needs Governance Fully integrated our TCFD¹ report into Barclays PLC's 2022 Annual Report Climate risk became a Principal Risk at the start of 2022 Held Say on Climate advisory vote at 2022 AGM which shareholders approved Upsized Sustainable Impact Capital target to £500m by the end of 2027 Exceeded Life Skills programme commitments² Exceeded Unreasonable Impact commitment³ Updated Sustainable Finance Framework which will support new $1tn target Developing Client Transition Framework For more information, please refer to our FY 2022 ESG Investor Presentation 1 Taskforce on Climate-related Financial Disclosures | 2 Upskill 10m people from 2018 to 2022 and place 250,000 people into work from 2019 to 2022 | 3 Support 250 businesses solving social and environmental challenges | 24 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#25Over-issuance of Securities¹ Context . In March 2022, the Group became aware that BBPLC2 had issued securities materially in excess of the amount registered under its shelf registration statement filed with the US Securities and Exchange Commission (SEC) To reflect the impact of the Over-issuance of Securities, Barclays PLC and BBPLC each amended their annual report on Form 20-F Financial impact (Em) Income from hedging arrangements • Total FY21 FY22 Impact 292 292 L&C charge for rescission offer losses4 (220) (801) (1,021) Barclays conducted a rescission offer to certain purchasers of affected securities, which completed in September 2022 PBT impact from rescission offer losses4 (220) (509) (729) Barclays was subject to an investigation from the SEC and paid a monetary penalty Attributable loss from rescission offer losses 5 (170) (387) (557) Barclays commissioned a review of the matter led by external counsel which concluded that: Charge related to SEC monetary penalty (165) (165) among the principal causes of the Over-issuance of Securities were, first, the failure to identify and escalate to senior executives the consequences of the loss of WKSI³ status and, secondly, a decentralised ownership structure for securities issuances; and PBT impact from rescission offer losses and provision related to SEC monetary penalty4 (220) (674) (894) Attributable loss5 (170) (552) (722) the incident was not the result of a general lack of attention to controls by Barclays, and that Barclays' management has consistently emphasised the importance of maintaining effective controls ROTE impact (40)bps (120) bps 1 Refers to the Over-issuance of Securities under Barclays Bank PLC's US shelf registration statements on Form F-3 filed with the SEC in 2018 and 2019. Please refer to the Barclays PLC FY22 Results Announcement for details | 2 Barclays Bank PLC (BBPLC) | 3 "WKSI" refers to "well- known seasoned issuer", a type of issuer which, according to SEC rules, can use a more flexible shelf registration process to register an unlimited amount of securities | 4 Total impact in Q422: £0m (Q421: £46m) | 5 Total impact in Q422: £0m (Q421: £38m) | 25 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#26Quarterly income and costs Income¹ Operating costs² 3,939 6,708 3,682 3,748 6,496 3,588 3,514 5,951 5,801 5,160 2,043 1,796 4,033 1,562 1,870 1,921 3,938 2,821 2,576 2,632 598 1,244 1,286 667 733 747 584 1,083 878 886 1,202 998 1,085 1,069 1,108 1,699 1,649 1,724 1,916 1,970 Q421 Q122 Q222 Q322 Q422 Q421 Q122 Q222 Q322 Q422 Corporate and Investment Bank (CIB) Consumer, Cards and Payments (CC&P) Barclays UK (BUK) Head Office 1 Income impact of the Over-Issuance of Securities Q222: £758m, Q322: £(466)m | 2 Total operating expenses excluding L&C charges and UK bank levy| 26 | Barclays FY 2022 Results | 15 February 2023 Corporate and Investment Bank (CIB) Consumer, Cards and Payments (CC&P) Barclays UK (BUK) Head Office BARCLAYS#27Macroeconomic variables Q422 Q422 Upside 2 Q422 Upside 1 Q422 Baseline Q422 Downside 1 Q422 Downside 2 2023 2024 2025 2023 2024 2025 2023 2024 2025 2023 2024 2025 2023 2024 2025 UK GDP1 2.8% 3.7% 2.9% 1.0% 2.3% 2.4% (0.8)% 0.9% 1.8% (2.1)% (1.5)% 1.9% (3.4)% (3.8)% 2.0% UK unemployment² 3.5% 3.4% 3.4% 4.0% 3.9% 3.8% 4.5% 4.4% 4.1% 5.2% 6.4% 6.0% 6.0% 8.4% 8.0% UK HP13 8.7% 7.5% 4.4% 1.8% 2.9% 3.3% (4.7)% (1.7)% 2.2% (11.7)% (10.6)% (2.8)% (18.3)% (18.8)% (7.7)% UK Bank Rate 3.1% 2.6% 2.5% 3.5% 3.3% 3.0% 4.4% 4.1% 3.8% 5.9% 6.1% 5.3% 7.3% 7.9% 6.6% US GDP1 3.3% 3.5% 2.8% 1.9% 2.3% 2.2% 0.5% 1.2% 1.5% (1.1)% (1.1)% 1.7% (2.7)% (3.4)% 2.0% US unemployment4 3.3% 3.3% 3.3% 3.8% 4.0% 4.0% 4.3% 4.7% 4.7% 5.1% 6.6% 6.4% 6.0% 8.5% 8.1% US HP15 5.8% 5.1% 4.5% 3.8% 3.3% 3.4% 1.8% 1.5% 2.3% (0.7)% (1.3)% 0.2% (3.1)% (4.0)% (1.9)% US Federal Funds Rate 3.6% 2.9% 2.8% 3.9% 3.4% 3.0% 4.8% 3.6% 3.1% 5.8% 5.4% 4.4% 6.6% 6.9% 5.8% Scenario probability weighting 10.9% 23.1% 39.4% 17.6% 9.0% 1 Average Real GDP seasonally adjusted change in year | 2 Average UK unemployment rate 16-year+ | 3 Change in year end UK HPI = Halifax All Houses, All Buyers index, relative to prior year end | 4 Average US civilian unemployment rate 16-year+ 15 Change in year end US HPI = FHFA House Price Index, relative to prior year end | 27 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#28Macroeconomic variables Q322 Q322 Upside 2 Q322 Upside 1 Q322 Baseline Q322 Downside 1 Q322 Downside 2 2023 2024 2025 2023 2024 2025 2023 2024 2025 2023 2024 2025 2023 2024 2025 UK GDP1 4.0% 3.3% 2.8% 2.1% 2.5% 2.3% 0.3% 1.6% 1.8% (2.3)% (0.4)% 2.9% (5.0)% (2.5)% 4.0% UK unemployment² 3.5% 3.4% 3.4% 3.7% 3.6% 3.6% 4.4% 3.9% 3.8% 6.3% 6.5% 5.4% 8.1% 9.0% 7.0% UK HP13 10.3% 5.7% 4.5% 5.4% 3.0% 3.3% 0.6% 0.4% 2.0% (11.4)% (7.0)% 8.8% (22.3)% (14.1)% 15.8% UK Bank Rate 1.9% 1.4% 1.3% 2.6% 2.2% 1.8% 3.4% 2.8% 2.4% 3.9% 3.8% 2.7% 4.6% 4.6% 3.0% US GDP1 3.7% 3.2% 2.8% 2.4% 2.3% 2.2% 1.1% 1.5% 1.5% (1.6)% (0.5)% 2.0% (4.2)% (2.5)% 2.6% US unemployment4 3.3% 3.3% 3.3% 3.7% 3.8% 3.8% 4.0% 4.2% 4.2% 6.0% 6.9% 6.3% 7.9% 9.5% 8.3% US HP15 5.7% 4.8% 4.5% 4.5% 4.1% 3.9% 3.4% 3.4% 3.4% (2.0)% 1.5% 4.3% (7.2)% (0.3)% 5.3% US Federal Funds Rate 2.5% 1.8% 1.3% 2.9% 2.3% 1.8% 3.4% 2.8% 2.3% 4.1% 3.8% 2.9% 4.6% 4.6% 3.4% Scenario probability weighting 13.2% 26.1% 39.8% 14.2% 6.7% 1 Average Real GDP seasonally adjusted change in year | 2 Average UK unemployment rate 16-year+ | 3 Change in year end UK HPI = Halifax All Houses, All Buyers index, relative to prior year end | 4 Average US civilian unemployment rate 16-year+ 15 Change in year end US HPI = FHFA House Price Index, relative to prior year end | 28 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#29Impairment: December 2022 coverage ratios Credit cards, unsecured loans and other retail lending Wholesale loans Impairment allowance Gross loans (£bn) Coverage ratio (£bn) Impairment allowance Gross loans (£bn) (£bn) Coverage ratio Total 60.2 55.7 54.4 4.9 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 8.1% 4.0 3.7 Stage 1 46.0 46.3 44.2 0.5 0.8 0.6 7.1% 6.8% 1.2% 1.7% 1.3% Total 130.3 190.3 175.7 1.0 Stage 1 117.5 1.3 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 1.4 0.8% 0.7% 0.8% 165.4 152.7 0.1 0.4 0.4 0.1% 0.3% 0.3% Stage 2 10.8 6.9 8.1 2.0 1.8 1.8 18.7% 25.6% 22.6% Stage 3 3.4 2.5 2.1 2.3 1.4 1.3 68.5% 58.1% 60.2% Stage 2 10.4 Stage 3 22.2 20.4 0.3 0.4 0.4 2.9% 1.7% 2.0% 2.4 2.7 2.6 0.5 0.5 0.5 23.2% 19.1% 20.7% Home loans Total loans Gross loans (£bn) Impairment allowance (£bn) Coverage ratio Impairment allowance Gross loans (£bn) (£bn) Coverage ratio Total 154.9 173.6 174.3 0.4 Stage 1 135.7 Stage 2 17.0 Stage 3 2.2 0.5 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 0.3% 0.3% 0.3% Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 0.5 153.9 153.7 0.0 0.0 0.0 17.6 18.2 0.1 0.0 0.1 0.4% 0.3% 0.4% Total Stage 1 299.3 Stage 2 38.2 345.4 419.5 404.4 6.3 5.8 5.6 1.8% 1.4% 1.4% 365.6 350.5 0.7 1.3 1.1 0.2% 0.3% 0.3% 46.7 46.7 2.4 2.2 2.3 6.2% 4.7% 5.0% 2.0 2.4 0.3 0.4 0.4 16.1% 19.8% 17.1% Stage 3 7.9 7.2 7.1 3.2 2.3 2.2 40.7% 32.6% 31.3% Note: Tables may not sum due to rounding | 29 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#30Impairment: December 2022 coverage ratios UK cards US cards Impairment allowance Gross loans (£bn) (£bn) Coverage ratio Gross loans (£bn) Impairment allowance Coverage ratio (£bn) Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Total 16.5 10.0 9.9 1.7 1.0 0.8 Stage 1 10.6 7.6 7.1 0.1 0.1 0.1 10.5% 9.7% 7.6% 1.2% 1.7% 1.8% Stage 2 5.1 1.9 2.6 1.1 0.6 0.5 21.6% 29.3% 19.2% Total Stage 1 Stage 2 2.8 22.5 25.9 25.8 2.1 2.1 2.1 9.1% 8.3% 8.1% 18.2 22.4 21.8 0.3 0.5 0.3 1.6% 2.4% 1.5% 2.6 3.0 0.6 0.9 1.0 21.3% 35.1% 33.6% Stage 3 0.8 0.4 0.3 0.5 0.3 0.1 65.1% 65.4% 54.6% Stage 3 1.5 1.0 1.0 1.2 0.7 0.8 79.6% 72.6% 72.0% UK personal loans and partner finance Impairment allowance Gross loans (£bn) (£bn) Coverage ratio Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Germany and other unsecured lending Impairment allowance Gross loans (£bn) (£bn) Coverage ratio Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Dec-19 Sep-22 Dec-22 Total 12.4 7.8 7.7 0.7 0.4 0.3 5.4% 5.0% 4.4% Total 8.8 11.9 10.9 0.4 0.5 0.5 4.8% 4.0% 4.7% Stage 1 10.2 6.7 6.6 0.1 0.1 0.1 0.8% 0.9% 0.9% Stage 1 6.9 9.6 8.7 0.1 0.1 0.1 0.7% 0.6% 0.9% Stage 2 1.6 0.9 0.9 0.2 0.1 0.1 10.5% 12.8% 14.5% Stage 2 1.4 1.5 1.6 0.2 0.2 0.2 11.5% 11.8% 12.1% Stage 3 0.6 0.3 0.2 0.4 0.2 0.1 70.7% 72.2% 69.0% Stage 3 0.5 0.8 0.6 0.2 0.2 0.3 40.6% 30.8% 40.1% Note: Tables may not sum due to rounding | 30 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#31Impairment: Wholesale exposures and UK/US cards arrears rates Wholesale and selected sector exposure Gross loans Wholesale lending excl. Debt Securities (£bn) Selected sectors (£bn/coverage ratio %) Exposure Coverage Wholesale excl. Debt Securities 130.2 Financial Institutions 41.6 Steel & Aluminium Manufacturers 0.6 2.7% Autos Debt Securities 45.5 Real Estate 1.1 16.6 1.5% 1.7% Other 50.7 Consumer 5.8 2.3% Home Loans 174.3 Manufacturers Discretionary Retail & Other Retail 54.4 Selected Sectors 7.1 1.8% 37.9 Wholesale Passenger Travel 1.1 2.7% Total 404.4 Total 130.2 Hospitality & Leisure Total 5.6 37.9 2.5% 2.0% UK cards arrears rates c.30% of the Wholesale book is secured, increasing to >60% for the selected sectors c.32% synthetic protection ¹ against c.£54bn of funded on- balance sheet exposure in the Corporate lending portfolio c.42% synthetic protection on an exposure at default basis for the Corporate lending portfolio Total wholesale loans coverage ratio of 0.8% does not reflect first loss protection US cards arrears rates 2.0% 2.7% 1.8% 1.7% 1.7% 2.4% 2.5% 1.6% 2.3% 2.2% 1.4% 2.1% 2.0% 1.0% 0.8% 1.0% 1.0% 1.0% 1.0% 1.0% 0.8% 0.8% 0.8% 0.9% 1.5% 1.6% 1.6% 1.6% 1.4% 1.4% 1.5% 1.4% 0.6% 1.2% 1.2% 1.1% 0.3% 0.3% 0.3% 0.9% 0.2% 0.2% 0.2% 0.7% 0.8% 0.8% 0.7% 0.8% Q120 Q220 Q320 Q420 Q121 Q221 Q321 Q421 Q122 Q222 Q322 Q422 30 days .90 days Q120 Q220 Q320 Q420 Q121 Q221 Q321 Q421 Q122 Q222 Q322 Q422 30 days 90 days 1 Refers to synthetic credit protection from first loss guarantees on the Corporate lending portfolio which consists of c.£54bn of funded on-balance sheet exposure. Calculation methodology for ratio has been updated and on a like for like basis would be c.29% for FY21. In terms of credit protection, individual asset level hedges may vary, but cover a significant and diverse portion of our lending portfolio, with higher average levels of protection for selected vulnerable sectors, lower quality credits and unsecured exposure | 31 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#32Strong liquidity position and deposit base Liquidity comfortably exceeding minimum requirements Deposits evolution (£bn)¹ 168% 165% 156% 151% 519 528 512 493 Minimum 78 84 69 82 requirement: 100% 163 179 183 172 Dec-21 Jun-22 Sep-22 Dec-22 261 262 261 258 Liquidity pool (£bn) 291 343 326 318 Dec-21 Jun-22 Sep-22 Dec-22 Liquidity surplus (Ebn) 116 119 107 117 BUK CIB CC&P Quality of the liquidity pool remains high, with the majority held in cash and deposits with central banks, and highly rated government bonds The YoY increase in the liquidity pool was driven by deposit growth and an increase in wholesale funding, partly offset by business funding consumption Liquidity pool of £318bn represents c.21% of Group balance sheet NSFR of 137% is a £155bn surplus above 100% regulatory requirement Total deposits increased £21bn YoY, with continued growth in corporate deposits and stable retail deposits Deposits declined £16bn QoQ, driven by Corporate clients managing their liquidity positions 1 Excluding short-term money market Treasury deposits | Note: Charts may not sum due to rounding | 32 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#33FY22 Capital CET1 ratio movements 15.1% 149bps (c.80bps) (79bps) (39bps) (38bps) (6bps) (22bps) 13.9% 1 Dec-21 Attributable profit Regulatory changes from 1 Jan 2022 Distributions Pensions Fair Value through RWA growth Other (including FX) Dec-22 2 Other Comprehensive Income CET1 capital £47.3bn £5.0bn £(1.7bn) £(2.7bn) £(1.1bn) £(1.3bn) £1.4bn £46.9bn RWAs £314.1bn £6.6bn £0.5bn £1.2bn £14.1bn £336.5bn 1 Includes acceleration of capital impacts of 33bps related to pension transactions unwind | 2 FX on credit risk, counterparty credit risk and standardised market risk RWAs | Note: The fully loaded CET1 ratio was 13.7% as at 31 December 2022 | Note: Charts may not sum due to rounding | 33 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#34RWA Q422 RWA movements (£bn) 350.8 Sep-22 FY22 RWA movements (£bn) 314.1 (4.2) (8.9) (1.2) Book size FX 叉 1 (1.2) 4.5 6.6 Dec-21 Regulatory changes from 1 Jan 2022 Book size 1 FX on credit risk, counterparty credit risk and standardised market risk RWAs | Note: Charts may not sum due to rounding | 34 Barclays FY 2022 Results | 15 February 2023 Other 14.1 (1.6) 336.5 Dec-22 336.5 1 Acquisitions and disposals FX Other Dec-22 BARCLAYS#35Basel 3.1 day one impact expected to be at lower end of prior 5-10% RWA guidance Timeline Nov-22 Current view of impacts from Basel 3.1 implementation PRA released Consultation Paper 16/22 on Basel 3.1 standards Day one Pillar 1 inflation Mar-23 Consultation period closes H123 Quantitative Impact Study (QIS) submission 2024 Expected review of Pillar 2A by the PRA Jan-25 Implementation of Basel 3.1 with transitional arrangements From the finalisation of the Basel framework (3.1), RWAs are expected to inflate in the following areas: Fundamental Review of the Trading Book (FRTB) Operational risk Credit Valuation Adjustment (CVA) Lower end of 5-10% RWA inflation on 1-Jan-25, pre-mitigation Potential offsets Expected review of Pillar 2A by the PRA Internal refinements and mitigation actions Final rules post consultation Jan-30 Fully phased-in Basel 3.1 implementation 35 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#36CET1 ratio within 13-14% target range and above requirements CET1 minimum requirements UK leverage minimum requirements MDA1 11.3% CCyB 0.4% CCB 2.5% G-SII 1.5% 13.9% Reg Min CCLB G-SII 3.975% 0.2% 0.525% Pillar 2A 2.4% Pillar 1 4.5% CET1 requirement 2 Dec-22 actual BoE minimum leverage requirement 3.25% UK Leverage requirement 5.3% 4.8% 2 2 Dec-22 UK average Dec-22 UK spot 1 Barclays' MDA hurdle at 11.3% reflecting the Pillar 2A requirement as per the PRA's Individual Capital Requirement 12 Capital and leverage ratio calculated applying the transitional arrangements of the CRR as amended by CRR II. This includes IFRS 9 transitional arrangements | 36 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#37Prior capital drag from pensions eliminated Triennial actuarial valuation Pension transaction unwind Pension portfolio position Completed UKRF triennial actuarial valuation¹ £2bn funding surplus (vs. £2.3bn funding deficit in 2019) Completed Pension transaction unwind² UKRF well positioned with a balanced portfolio Robust hedging and liquidity stood up to 2022 bond yield increases Deficit reduction contributions in 2023 no longer required In prior plan a £0.3bn deficit reduction contribution was scheduled for 2023 £1.25bn Accelerated 33bps CET1 impact absorbed in Q4223 UKRF surplus improved by £0.9bn £10bn reduction in assets more than offset by £10.9bn reduction in liabilities Capital impact schedule As at FY21 results As at FY22 results 35.5 Capital impact of deficit reduction contributions (£bn) 2022 2023-25 2022 2023-25 31.9 25.4 Based on triennial actuarial valuation (0.3) (0.3) (0.3) 20.9 Dec-2019 £500m and Jun-2020 £750m Senior Notes (1.25) (1.25) Capital impact (pre-tax) (0.3) (1.55) (1.55) Capital impact (pre-tax bps)4 (9)bps (46)bps (46)bps IAS19 Assets (£bn) IAS19 Liabilities (£bn) 2021 2022 1 With an effective date of 30 September 2022 | 2 During 2019 and 2020, the UKRF subscribed for non-transferable listed senior fixed rate notes for £1.25bn, deferring the CET1 impact of pension contributions made by Barclays until 2023, 2024 and 2025. Following the PRA's statement on 13 April 2022, Barclays unwound these transactions as part of the 2022 triennial actuarial valuation | 3 Post-tax impact | 4 Based on Dec-22 RWAS | Note: tables may not sum due to rounding | 37 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#38IFRS 9 transitional relief of c.20bps as at Dec-22 2020 regulatory action gave further relief for impairments 75% transitional relief for modified impairment post Dec-19 applied in 2022 IFRS 9 transitional relief CET1 add-back (£bn) 2.6 • Transitional relief schedule for static component per original schedule Total post-tax IFRS 9 transitional relief as at Dec-22 is c.£0.7bn or c.20bps capital, broadly flat vs. Q322 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 is expected to reduce by c.13bps from 1-Jan-23 Note: Charts may not sum due to rounding | 38 | Barclays FY 2022 Results | 15 February 2023 1.7 1.1 1.2 0.7 0.6 1.1 0.9 0.4 0.2 0.7 0.3 Dec-19 Dec-20 Dec-21 Dec-22 1-Jan-23 ■Static Modified Relief schedule Year Pre-2020 (static) 2020 onwards (modified) 2020 70% 100% 2021 50% 100% 2022 25% 75% 2023 50% 2024 25% BARCLAYS#39Capital structure well managed Capital structure and requirements >16.7% total capital requirement¹ T2: ≥3.1% AT1 headroom AT1: ≥2.3% CET1 headroom 20.8% total capital ratio Legacy T2: 0.3% (£1.1bn) T2: 2.6% (£8.8bn) AT1: 3.9% (£13.2bn) Balanced total capital structure • • • Continue to run a robust level of AT1 capital and maintain conservative headroom AT1 as a proportion of RWAs may vary due to seasonal and FX driven fluctuations, in addition to potential issuance and redemptions Expect to hold an appropriate level of Tier 2 to meet our total capital requirement Following £2.4bn of maturities/calls in 2022, £1.5bn notional of BBPLC legacy capital instruments remain outstanding, of which c.£1.4bn continues to qualify as either Tier 2 until maturity/call or CRR II grandfathered Tier 2 to Jun-25 CET1 MDA hurdle: 11.3% Dec-22 capital requirement Barclays PLC capital call and maturity profile (£bn)² Barclays PLC AT1 capital as at 31 December 20223 CET1: 13.9% (£46.9bn) 3.2 2.8 3.1 2023 2024 2025 Dec-22 capital structure 2023 2026 Barclays PLC Tier 2 capital as at 31 December 20224 1.3 1.0 1.7 0.6 0.9 2024 2025 2026 ■By contractual maturity ■First or next call date 4.2 2027+ 5.6 2027+ 1 Excludes headrooms and minimum requirement excludes the confidential institution-specific PRA buffer | 2 Prepared on nominal basis which will not reconcile with regulatory or accounting bases due to adjustments | 3 The redemption notice relating to the Barclays PLC GBP 1.25bn 7.25% AT1, which forms part of the total, was published on 2 February 2023 (link) | 4 The redemption notice relating to the Barclays PLC EUR 1.5bn 2.0% T2 Notes was published on 5 January 2023 (link) | Note: Charts may not sum due to rounding | 39 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#40TNAV per share QoQ TNAV movements (pence per share) 286 14 1 7 (9) (4) 295 Sep-22 Cash flow hedge reserve Attributable profit Other Currency translation Pension remeasurement Dec-22 reserve YoY TNAV movements (pence per share) 291 7 9 13 (40) 32 42 (8) (6) (2) (1) 295 Dec-21 Attributable profit Currency translation Own credit reserve Share Buyback Cash flow hedge reserve FVOCI reserve Dividends paid Pension remeasurement Other Dec-22 reserve 40 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#41Income up 12% YoY including the benefit from FX, with strong performances in Barclays UK and CC&P. Within CIB, strong performances in Global Markets and Transaction banking were more than offset by reduced income in Investment Banking and Corporate Lending Costs of £4.0bn (Q421: £3.8bn) reflecting the impact of FX, inflation and investment in the business Credit impairment charges were £0.5bn with an LLR of 49bps. The deteriorating macroeconomic forecast resulted in an increased charge, partially offset by utilising economic uncertainty PMAS Attributable profit of £1.0bn generated EPS of 6.5p and RoTE of 8.9% Q422 Group Financial Highlights Three months ended (Em) Income -Operating costs - Bank levy -Litigation and conduct Dec-22 Total operating expenses Other net income 10 13 Profit before impairment 1,808 Credit impairment (charges)/releases (498) 1,397 31 Dec-21% change 5,801 5,160 +12% (3,748) (3,514) -7% (176) (170) -4% (79) (92) +14% (4,003) (3,776) -6% -23% +29% Profit before tax Tax credit/(charge) Profit after tax Non-controlling interests Other equity instrument holders Attributable profit 1,310 1,428 33 (104) 1,343 1,324 +1% (22) (27) +19% (285) (218) -31% 1,036 1,079 -4% -8% Performance measures Dec-22 Sep-22 | Dec-21 Basic earnings per share 6.5p 9.4p ROTE 8.9% 6.4p 12.5% 9.0% Cost: income ratio 69% Loan loss rate 49bps 60% 73% 36bps (3)bps Balance sheet and capital Dec-22 Sep-22 | Dec-21 RWAs TNAV per share £336.5bn £350.8bn £314.1bn CET1 ratio 295p 13.9% 286p 291p 13.8% 15.1% 41 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#42Three months ended (£m) Dec-22 Dec-21% change Q422 Barclays UK Financial Highlights up 16% YoY capturing the benefit from rising interest rates Income - Personal Banking 1,229 983 +25% -Barclaycard Consumer UK 269 352 -24% NIM increased 9bps QoQ to 3.10% - Business Banking 472 Income 1,970 1,699 - Operating costs - Bank levy -Litigation and conduct Total operating expenses Other net income/(expense) (1,147) (1,243) +30% +16% (1,108) (1,202) +8% (26) (36) +28% (13) (5) -160% +8% 364 1 (1) Profit before impairment 824 455 +81% - Personal Banking (120) 8 -Barclaycard Consumer UK Costs down 8% YoY driven by efficiency savings and non-repeat of acceleration of structural cost actions in prior year more than offsetting inflationary and operational headwinds Impairment charge of £157m primarily driven by a deteriorating macroeconomic forecast Loans stable QoQ at £205.1bn Customer deposits decreased £3.0bn QoQ largely driven by a reduction in Personal Banking deposits. BUK maintains a strong loan: deposit ratio of 87% (12) 114 - Business Banking (25) (63) +60% Credit impairment (charges)/releases (157) 59 Profit before tax 667 514 +30% Attributable profit 474 420 +13% Performance measures ROTE Average allocated tangible equity Cost: income ratio Loan loss rate NIM Mortgages gross lending Balance sheet and capital L&A to customers at amortised cost Customer deposits at amortised cost Loan: deposit ratio RWA Dec-22 Sep-22 | Dec-21 18.7% 22.1% 16.8% £10.2bn £9.9bn £10.0bn 58% 56% 73% 27bps 14bps (10)bps 3.10% 3.01% 2.49% £8.2bn £7.9bn £7.1bn 3.10% 3.01% 2.71% 2.62% 2.54% 2.55% 2.49% 2.49% Dec-22 Sep-22 Dec-21 £205.1bn £205.1bn £208.8bn £258.0bn £261.0bn £260.6bn 87% 86% 85% £73.1bn £73.2bn £72.3bn Q121 Q221 Q321 Q421 Q122 Q222 Q322 Q422 BUK NIM 42 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#43Q422 Barclays International Financial Highlights Three months ended (Em) Income -Operating costs -Bank levy Dec-22 Dec-21% change 3,862 3,510 +10% (2,543) (2,160) -18% (133) (134) +1% (67) (84) +20% (2,743) (2,378) -15% +67% -1% -Litigation and conduct Total operating expenses Other net income Profit before impairment Credit impairment charges (328) Profit before tax Attributable profit 796 625 5 3 1,124 1,135 (23) 1,112 -28% 818 -24% Performance measures Dec-22 Sep-22 Dec-21 6.4% 11.6% 9.9% £38.9bn £39.1bn £32.9bn 71% 59% 68% 75bps 62bps 7bps 5.71% 5.58% 4.14% ROTE Average allocated tangible equity Cost: income ratio Loan loss rate NIM Balance sheet and capital RWAS Dec-22 Sep-22 Dec-21 £254.8bn £269.3bn £230.9bn Income up 10% Diversified income profile across businesses and geographies 13% appreciation of average USD against GBP was a tailwind to income and profits, and a headwind to impairment and costs Costs up 15% mainly driven by investment in talent, systems and technology, and the impact of inflation Operating costs (which exclude L&C and bank levy) up 18% Impairment charge of £0.3bn driven by the deteriorating macroeconomic forecast and reflecting an increase in modelled impairment and single name charges in the CIB and higher balances in US cards, including the acquisition of the Gap portfolio RWAs decreased £14.5bn QoQ to £254.8bn mainly driven by FX 43 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#44Q422 Corporate & Investment Bank Financial Highlights Three months ended (Em) Dec-22 Dec-21% change Income down 2% - FICC 976 546 +79% - Equities Global Markets - Advisory 440 501 1,416 1,047 197 287 -12% +35% -31% -Equity capital markets 40 158 -75% -Debt capital markets 243 511 -52% Investment Banking fees 480 956 -50% -Corporate lending (128) 176 - Transaction Banking 808 453 +78% Corporate Bank Total Income - Operating costs - Bank levy -Litigation and conduct Total operating expenses Other net income 2 Profit before impairment 601 884 680 629 2,576 2,632 -2% (1,796) (1,562) -15% (126) (128) +2% (55) (59) +7% (1,977) (1,749) -13% 1 +100% -32% +8% Credit impairment (charges)/releases (41) 73 Profit before tax 560 957 Attributable profit 454 695 -41% -35% Performance measures ROTE Average allocated tangible equity Cost: income ratio Dec-22 Sep-22 | Dec-21 5.4% 11.9% 9.7% £33.7bn £34.0bn £28.7bn 77% 55% 66% Balance sheet and capital RWA Dec-22 | Sep-22 | Dec-21 £215.9bn £230.6bn £200.7bn 13% appreciation of average USD against GBP was a tailwind to income and profits, and a headwind to impairment and costs Global Markets income up 35% representing the best Q4¹ driven by higher activity, supporting clients in volatile markets FICC up 79% driven by strength in Macro (Rates, FX and EM) Equities down 12% driven by Derivatives, against a strong prior year comparator Investment Banking fees down 50%, due to lower industry wallet across all businesses² Corporate lending income of £(128)m impacted by fair value losses on leverage finance lending of c.£85m net of mark to market gains on related hedges, and higher costs of hedging and credit protection Transaction banking income up 78% driven by improved margins, deposit growth and higher fee income Costs up 13% driven by continued investment in talent, systems and technology, and the impact of inflation Impairment charge of £41m reflecting an increase in modelled impairment and single name charges, partly offset by the benefit from credit protection RWAs decreased £14.7bn QoQ mainly driven by FX 1 Period covering 2014-2016. Pre 2014 data was not restated following re-segmentation in 2016 | 2Industry wallet data from Dealogic as at 31 December 22 | 44 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#45Q422 Consumer Cards & Payments Financial Highlights -Payments Total Income up 46% with growth across all businesses International Cards and Consumer Bank income up 56% driven by higher interest income from growth in US cards balances, including Gap portfolio Payments income up 12% driven by higher volumes and margin improvements following the lifting of lockdown restrictions in the past year Private Bank income up 43% reflecting improved margins and client balance growth Total US cards balances increased 31% reflecting post pandemic recovery and acquisition of the Gap portfolio Three months ended (Em) Dec-22 Dec-21% change Income - International Cards & Consumer Bank 860 552 +56% - Private Bank 285 200 +43% 141 126 +12% 1,286 878 +46% - Operating costs (747) (598) -25% -Bank levy (7) (6) -17% -Litigation and conduct (12) (25) +52% Total operating expenses (766) (629) -22% Other net income 3 2 +50% Profit before impairment 523 251 +108% Credit impairment charges (287) (96) -199% Profit before tax 236 155 +52% Attributable profit 171 123 +39% Performance measures ROTE Average allocated tangible equity Cost: income ratio Loan loss rate Dec-22 Sep-22 | Dec-21 13.0% 9.5% 11.7% £5.2bn £5.1bn £4.2bn 60% 67% 72% 245bps 211bps 105bps Balance sheet and capital RWAS Dec-22 Sep-22 | Dec-21 £38.9bn £38.7bn £30.2bn Merchant acquiring volumes continue to recover following the easing of lockdown restrictions Costs up 22% driven by higher investment spend and partnership costs Impairment increased to £(0.3)bn driven by higher balances in US cards, including Gap portfolio, the macroeconomic deterioration and the gradual increase in delinquencies, partly offset by the utilisation of provisions held for economic uncertainty and the release of Covid- 19 related adjustments 45 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#46Three months ended (Em) Income Dec-22 Dec-21% change (31) (49) +37% -Operating costs (97) (152) +36% - Bank levy (17) -Litigation and conduct 1 (3) Total operating expenses (113) (155) +27% Other net income 4 11 -64% Loss before impairment (140) (193) +27% Credit impairment charges (13) Loss before tax Attributable loss (5) -120% (153) (198) +23% (63) (159) +60% Q422 Head Office Financial Highlights Income of £(31)m driven by Treasury items, funding costs on legacy capital instruments and mark-to-market losses on legacy investments, more than offset by hedge accounting gains £72m interest expense that became payable to a US tax authority upon the resolution of historical tax issues Operating expenses (excl. L&C) of £114m (Q421: £152m) RWAs of £8.6bn (Q421: £11.Obn) driven by Absa disposals Performance measures Average allocated tangible equity Dec-22 Sep-22 Dec-21 £(2.4)bn £(0.4)bn £5.1bn Balance sheet and capital RWA Dec-22 Sep-22 | Dec-21 £8.6bn £8.2bn £11.0bn 46 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#47FY22 Group Financial Highlights Year ended (Em) Income Dec-22 -Operating costs - Bank levy -Litigation and conduct Total operating expenses Other net income Dec-21% change 24,956 21,940 +14% -6% (14,957) (14,092) (176) (170) -4% (1,597) (397) (16,730) (14,659) 6 260 -14% -98% Profit before impairment 8,232 7,541 +9% Credit impairment (charges)/releases (1,220) 653 Profit before tax Tax charge Profit after tax Non-controlling interests Other equity instrument holders Attributable profit 7,012 8,194 -14% (1,039) (1,138) +9% 5,973 7,056 -15% (45) (47) +4% (905) (804) -13% 5,023 6,205 -19% Performance measures Basic earnings per share 30.8p ROTE Dec-22 Dec-21 36.5p 10.4% 13.1% Cost: income ratio Loan loss rate 67% 30bps 67% (18)bps Balance sheet and capital RWAs TNAV per share CET1 ratio Dec-22 Sep-22 Dec-21 £336.5bn £350.8bn £314.1bn 295p 286p 291p 13.9% 13.8% 15.1% 47 | Barclays FY 2022 Results | 15 February 2023 Income up 14% YoY with broad-based momentum across our operating divisions and the benefit from FX Costs of £16.7bn (2021: £14.7bn) reflecting £1.6bn of litigation and conduct charges primarily driven by the Over-issuance of Securities Group operating expenses excluding litigation and conduct were £15.1bn, up 6% year-on-year, reflecting the impact of FX and inflation Credit impairment charges were £1.2bn, LLR of 30bps, reflecting macroeconomic deterioration, partially offset by the utilisation of PMAs for macroeconomic uncertainty and the release of COVID-19 related adjustments informed by refreshed scenarios. Coverage ratios at the portfolio level remain strong Attributable profit of £5.0bn generated EPS of 30.8p and ROTE of 10.4% BARCLAYS#48FY22 BUK Year ended (Em) Dec-22 - Personal Banking 4,540 3,883 +17% -Barclaycard Consumer UK 1,093 1,250 -13% - -Business Banking Income 1,626 1,403 +16% 7,259 6,536 +11% Dec-21% change FY22 BI Year ended (Em) Income -Operating costs -Bank levy Dec-22 Dec-21% change 17,867 15,665 +14% (10,361) (9,076) -14% (133) (134) +1% - Operating costs (4,260) (4,357) +2% -Litigation and conduct Total operating expenses (1,503) (345) (11,997) (9,555) -26% - Bank levy (26) (36) +28% Other net income -Litigation and conduct (41) (37) -11% Profit before impairment Total operating expenses (4,327) (4,430) +2% Other net (expenses)/income Credit impairment (charges)/releases Profit before tax 28 40 5,898 6,150 (933) 288 -30% -4% Profit before impairment 2,932 2,106 +39% Attributable profit 4,965 6,438 -23% 3,844 4,647 -17% - Personal Banking (167) 28 -Barclaycard Consumer UK 30 404 -93% Performance measures Dec-22 Dec-21 - Business Banking (149) (67) -122% ROTE 10.2% 14.4% Credit impairment (charges)/releases (286) 365 Average allocated tangible equity £37.6bn £32.4bn Profit before tax 2,646 2,471 +7% Cost: income ratio Attributable profit 1,877 1,756 +7% Loan loss rate NIM 67% 61% 54bps (21)bps 5.02% 4.01% Performance measures Dec-22 Dec-21 ROTE 18.7% 17.6% Average allocated tangible equity Cost: income ratio Loan loss rate NIM Mortgages gross lending Balance sheet and capital L&A to customers at amortised cost Customer deposits at amortised cost Loan: deposit ratio RWA £10.0bn £10.0bn Balance sheet and capital RWAS Dec-22 Sep-22 | Dec-21 £254.8bn £269.3bn £230.9bn 60% 68% 13bps (16)bps 2.86% 2.52% £30.2bn £33.9bn Dec-22 Sep-22 Dec-21 £205.1bn £205.1bn £208.8bn £258.0bn £261.0bn £260.6bn 87% 86% 85% £73.1bn £73.2bn £72.3bn 48 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#49FY22 CIB Year ended (Em) - FICC - Equities Global Markets - Advisory -Equity capital markets -Debt capital markets Investment Banking fees - Corporate lending - Transaction Banking Corporate Bank Total Income - Operating costs - Bank levy -Litigation and conduct Total operating expenses Other net income Profit before impairment Credit impairment (charges)/releases Profit before tax FY22 CC&P Dec-22 Dec-21% change Year ended (Em) Dec-22 Dec-21% change 5,695 3,149 3,448 2,967 8,844 6,415 +38% +65% -International Cards & Consumer Bank 2,913 2,092 +39% +6% -Private Bank 1,014 781 +30% -Payments 572 458 +25% 768 921 -17% Total Income 4,499 3,331 +35% 166 1,281 1,925 -33% 2,215 3,659 (231) 588 2,540 1,672 2,309 2,260 +2% 13,368 12,334 +8% (7,630) (6,818) -12% (126) (128) +2% (1,189) (237) (8,945) (7,183) -25% 2 2 813 -80% -Operating costs (2,731) (2,258) -21% -Bank levy (7) -39% -Litigation and conduct (314) (6) -17% (108) -191% Total operating expenses (3,052) (2,372) -29% +52% Other net income 26 38 -32% Profit before impairment 1,473 997 +48% Credit impairment charges (814) (185) Profit before tax 659 812 -19% Attributable profit 480 615 -22% Performance measures Dec-22 Dec-21 ROTE 10.0% 15.0% Attributable profit 4,425 5,153 -14% (119) 473 4,306 5,626 -23% 3,364 4,032 -17% Average allocated tangible equity Cost: income ratio £4.8bn £4.1bn Loan loss rate Performance measures Dec-22 Dec-21 Balance sheet and capital RWAs 68% 71% 175bps 51bps Dec-22 Sep-22 Dec-21 £38.9bn £38.7bn £30.2bn ROTE Average allocated tangible equity 67% 10.2% 14.3% £32.8bn £28.3bn 58% Cost: income ratio Balance sheet and capital RWA Dec-22 Sep-22 | Dec-21 £215.9bn £230.6bn £200.7bn 49 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#50FY22 Head Office Exchange rates and share count information Exchange rates Year ended (Em) Dec-22 Dec-21% change YoY % Dec-22 Sep-22 |Dec-21 Income (170) (261) +35% change -Operating costs (336) (659) +49% Period end - USD/GBP 1.21 1.12 1.35 (10)% -Bank levy (17) YTD average-USD/GBP 1.24 1.26 1.38 (10)% -Litigation and conduct (53) (15) 3 month average - USD/GBP 1.17 1.18 1.35 (13)% Total operating expenses (406) Other net (expenses)/income (22) (674) +40% 220 Period end-EUR/GBP YTD Average - EUR/GBP 1.13 1.14 1.19 (5)% 1.17 1.18 1.16 1% Loss before impairment Credit impairment charges Loss before tax Attributable loss Performance measures (598) (715) +16% (1) (599) (715) +16% (698) (198) 3 month average - EUR/GBP Share count information Period end number of shares (m) 1 1.15 1.17 1.18 (3)% Dec-22 Sep-22 Dec-21 15,871 15,888 16,752 Average allocated tangible equity Dec-22 Dec-21 £0.7bn £5.0bn Balance sheet and capital RWA Dec-22 Sep-22 | Dec-21 £8.6bn £8.2bn £11.0bn USD exposure % USD exposure² Income Costs Group c.40-45% c.30% Corporate and Investment Bank Consumer Cards & Payments 50-60% C.40% 60-70% 45-50% 1 The number of shares of 15,888m as at 30 September 2022 is different from the 15,865m quoted in the 3 October 2022 announcement because the share buyback transactions executed on 29 and 30 September 2022 did not settle until 1 October 2022 and 3 October 2022 respectively Based on an average of FY20, FY21 and Q322 YTD income, and FY21 and Q322 YTD costs currency mix. Range may vary depending on business mix and macroeconomic environment and historical outcomes may not be indicative of future currency mix | 50 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS#51Disclaimer 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 domestic law by virtue of the European Union (Withdrawal) Act 2018, as amended. 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 FY22 Results Presentation we have: (i) 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) 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 subject to future risks and uncertainties and may change over time. They 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 or challenges in accessing data on a timely basis (iii) continued (and will continue) to review and develop our approach to data, models and methodologies in line with market principles and standards as this subject area matures. 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 the climate and sustainability content within this presentation and the Barclays PLC Annual Report. Further development of accounting and/or reporting standards could impact (potentially materially) the performance metrics, data points and targets contained in this presentation and the Barclays PLC Annual Report. In future reports we may present some or all of the information for this reporting period using updated or more granular data or improved models, methodologies, market practices or standards or recalibrated performance against targets on the basis of updated data. Such re-presented, updated or recalibrated information may result in different outcomes than those included in this presentation and the Barclays PLC Annual Report. It is important for readers and users of this report 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. Where information is re-presented, recalibrated or updated from time to time, our principles based approach to reporting financed emissions data (see page 87) sets out when information in respect of a prior year will be identified and explained Information provided in climate and sustainability disclosures What is important to our investors and stakeholders evolves over time and we aim to anticipate and respond to these changes. Disclosure expectations in relation to climate change and sustainability matters are particularly fast moving and differ in some ways from more traditional areas of reporting in the level of detail and forward-looking nature of the information involved and the consideration of impacts on the environment and other persons. We have adapted our approach in relation to disclosure of such matters. Our disclosures take into account the wider context relevant to these topics, including evolving stakeholder views, and longer time-frames for assessing potential risks and impacts having regard to international long-term climate and nature-based policy goals. Our climate and sustainability-related disclosures are subject to more uncertainty than disclosures relating to other subjects given market challenges in relation to data reliability, consistency and timeliness, and in relation to the use of estimates and assumptions and the application and development of methodologies. These factors mean disclosures may be amended, updated, and recalculated in future as market practice and data quality and availability develops. Forward-looking Statements This presentation 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 directors, officers and employees of the Group (including during management presentations) in connection with this presentation. Examples of forward-looking statements include, among others, statements or guidance regarding or relating to the Group's future financial position, income levels, costs, assets and liabilities, impairment charges, provisions, capital, leverage and other regulatory ratios, capital distributions (including dividend policy and share buybacks), return on tangible equity, projected levels of growth in banking and financial markets, industry trends, any commitments and targets (including environmental, social and governance (ESG) commitments and targets), business strategy, plans and objectives for future operations 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, changes in IFRS and other accounting standards, including practices with regard to the interpretation and application thereof and emerging and developing ESG reporting standards; the outcome of current and future legal proceedings and regulatory investigations; 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 and similar events beyond the Group's control; the impact of competition; capital, leverage and other regulatory rules applicable to past, current and future periods; UK, US, Eurozone and global macroeconomic and business conditions, including inflation; volatility in credit and capital markets; market related risks such as changes in interest rates and foreign exchange rates; higher or lower asset valuations; changes in credit ratings of any entity within the Group or any securities issued by it; 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 any 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 factors are beyond the Group's control. As a result, the Group's actual financial position, results, financial and non- financial metrics or performance measures or its 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 2022), which are available on the SEC's website at www.sec.gov. Subject to Barclays PLC's 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 presentation 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 presentation 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 31 December 2022. 51 Barclays FY 2022 Results | 15 February 2023 BARCLAYS