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 Barclays UK Three months ended (£m) Mar-21 Mar-20% change Personal Banking 923 968 -5% - Barclaycard Consumer UK 315 436 -28% - Business Banking 338 300 +13% Income 1,576 1,704 -8% Personal Banking (22) (134) +84% - Barclaycard Consumer UK (36) (301) +88% - Business Banking (19) (46) +59% Impairment charges (77) (481) +84% - Operating expenses (1,036) (1,023) -1% - Litigation and conduct (3) (5) +40% Total operating expenses (1,039) (1,028) -1% Other net income Profit before tax Attributable profit 460 195 +136% 298 175 +70% Performance measures ROTE 12.0% 6.9% Average allocated tangible equity £9.9bn £10.1bn Cost: income ratio 66% 60% Loan loss rate 14bps 96bps NIM 2.54% 2.91% Balance sheet L&A to customers at amortised cost £205.7bn £195.7bn Customer deposits at amortised cost RWAS £72.7bn £247.5bn £207.5bn £77.7bn 62 Barclays Q1 2021 Fixed Income Investor Presentation

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