Barclays H1 2022 Results

H122/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

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