Barclays Q1 2021 Fixed Income Investor Presentation

STRATEGY, TARGETS & GUIDANCE CAPITAL PERFORMANCE ASSET QUALITY & LEVERAGE MREL, FUNDING & LIQUIDITY CREDIT RATINGS ESG DIVISIONS & LEGAL ENTITIES APPENDIX Consumer spending recovered during Q121 while mortgage activity remained robust Cards spending Ô Merchant acquiring turnover3 Change in monthly spend YoY (%) Change in monthly turnover YoY (%) UK credit cards¹ US credit cards UK debit and credit cards² 20% Corporate SME 6% 1% 10% 0% 10% 11% 0% A Mortgages Mortgage application values (£bn) 5.0 4.3 4.2 4.0 3.9 3.6 3.6 -10% -14% -20% -16% 18% 24% -30% -29% 0% -10% -2% -8% -12% -20% -30% -26% -30% -40% -40% -40% -50% -50% Jan-21 Feb-21 Mar-21 Jan-21 Feb-21 Mar-21 7 | Barclays Q1 2021 Fixed Income Investor Presentation 0.9 3.2 3.0 2.8 1.2 2.9 Lockdown easing has led to a recovery in spend Payments processed have increased in April Q121 mortgage application values remained robust, with pricing at attractive margins 1 UK credit cards spend excludes balance transfers | 2 Data based on Barclays debit and credit card transactions, as per the monthly Barclays Spend Trends 2.0 report | 3 Based on the value of transactions. Corporate includes turnover associated with Government savings products | Mar-20 Apr-20 May-20 Jun-20 Jul-20 Aug-20 Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21

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