Barclays Q1 2021 Fixed Income Investor Presentation

STRATEGY, TARGETS & GUIDANCE CAPITAL PERFORMANCE ASSET QUALITY & LEVERAGE MREL, FUNDING & LIQUIDITY DIVISIONS CREDIT RATINGS ESG APPENDIX & LEGAL ENTITIES Q121 Group highlights Strong Q121 performance driven by continued robust CIB income and reduced impairment charges Financial performance Income £5.9bn Q120: £6.3bn Costs £3.6bn Q120: £3.3bn Cost: income ratio 61% Q120:52% Impairment £55m Q120: £2,115m PBT £2.4bn Q120: £0.9bn ROTE 14.7% Q120: 5.1% EPS Income decreased 6% reflecting continued headwinds in BUK and CC&P. CIB income was broadly stable with strong performance in Equities and Banking in particular Costs increased to £3.6bn, driven by higher variable compensation accruals reflective of improved returns and continued investment in businesses, partly offset by foreign exchange movements and efficiency savings. COVID-19 related expenses continued in Q121 Credit impairment charges decreased to £55m, reflecting reduced unsecured lending balances and reduced customer defaults Coverage ratios on respective portfolios have been maintained and underlying asset quality metrics remained benign Generated PBT of £2.4bn, ROTE of 14.7% and EPS of 9.9p CET1 ratio of 14.6%, down 50bps from Q420 including the removal of temporary regulatory supporting measures and the £0.7bn share buyback announced with FY20 results (completed in April) RWAs increased £7.2bn from Q420 to £313.4bn Q120 to Q121 profit before tax (£m) 9.9p Q120: 3.5p CET1 ratio 14.6% Dec-20: 15.1% 124 TNAV per share 267p Dec-20: 269p 2,060 2,399 23 Liquidity coverage ratio 360 161% Dec-20: 162% 913 Loan: deposit ratio 69% Dec-20: 71% 315 Q120 CIB Income Consumer and Head Office Income Costs Impairment Other net income Q121 16 Barclays Q1 2021 Fixed Income Investor Presentation

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