Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE Income £21.9bn FY20: £21.8bn FY21 Group highlights Cost: income ratio 66% FY20: 64% PBT £8.4bn FY20: £3.1bn ROTE 13.4% FY20: 3.2% PERFORMANCE TNAV per share 292p Dec-20:269p Costs £14.4bn FY20: £13.9bn Impairment £(0.7)bn release FY20: £4.8bn charge EPS 37.5p FY20: 8.8p CET1 ratio 15.1% Dec-20: 15.1% Liquidity Coverage Ratio 168% Dec-20: 162% ● 16 | Barclays Q4 2021 Results | 23 February 2022 ● ● ● ● ASSET QUALITY ● CAPITAL & LEVERAGE 3,065 Income of £21.9bn up 1%, despite a 8% depreciation of average USD against GBP BUK income increased 3%, CC&P income decreased 3%, and CIB income decreased 1% FY20 MREL, FUNDING & LIQUIDITY Costs increased 4% to £14.4bn, due to higher structural cost actions and performance costs Base costs¹ were flat at £12.0bn, incorporating investment for business growth, favourable FX movements, efficiency savings and lower bank levy ¹ Costs excluding structural cost actions and performance costs | ² Numbers do not sum to total due to rounding | Net credit impairment release of £0.7bn Stage 1 and 2 impairment release of £1.3bn², primarily due to an improved macroeconomic outlook Stage 3 charge was £0.7bn², reflecting reduced unsecured lending balances and benign credit environment PBT of £8.4bn, EPS of 37.5p and ROTE of 13.4%, with all operating divisions generating double digit returns Total 2021 payout equivalent of 15.0p per share, including 6.0p total dividend and total buybacks of up to £1.5bn announced in respect of 2021 174 Income CREDIT RATINGS CET1 ratio of 15.1%, flat vs. Dec-20 including 72bps of capital distributions through dividends and buybacks TNAV per share increased 23p from Dec-20 to 292p, reflecting 37.5p of EPS, partially offset by net adverse reserve movements and other items Profit before tax (£m) 553 ESG Costs DIVISIONS & LEGAL ENTITIES 5,491 Impairment APPENDIX 237 Other net income 8,414 FY21 BARCLAYS

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