Barclays Q1 2021 Fixed Income Investor Presentation

STRATEGY, TARGETS & GUIDANCE CAPITAL MREL, FUNDING PERFORMANCE ASSET QUALITY CREDIT RATINGS ESG & LEVERAGE & LIQUIDITY DIVISIONS & LEGAL ENTITIES APPENDIX Retail portfolios in the UK and US continue to be prudently positioned Risk actions taken at pandemic outset to mitigate potential economic impact FY19 £143.3bn H120 £145.1bn FY20 £148.3bn UK 67.9% 68.4% 67.6% UK Mortgage balance growth achieved in lower LTV segments secured • 50.7% average LTV of mortgage book stock Buy-to-Let mortgages represent only 14% of the book mortgage balance growth within risk appetite 51.1% 51.5% 50.7% Average LTV on flow Q120 Q220 £13.6bn Average LTV on stock Net L&A Q320 Q420 Q121 UK unsecured A suite of prudent risk actions taken in 2020, suspending proactive growth activity and reducing exposure/limits Balances as a result of promotional Balance Transfers have reduced by 55% YoY to £1.3bn, all of which have a duration of <24 months £11.5bn £10.7bn £9.9bn UK cards £8.7bn arrears rates broadly stable year-on-year 1.8% 2.0% 1.7% 1.7% 1.6% 0.8% 1.0% 0.8% 0.8% 0.8% 30 day arrears 90 day arrears Net L&A Q120 Q220 Q320 Q420 Q121 £19.3bn US cards Diversified portfolio across segments with good risk/return balance Continuing our focus on partnership co-brand strategy Arrears rates have fallen in Q121, driven by government support, customer deleveraging and quality of portfolio £17.1bn £15.6bn £14.7bn US cards arrears rates improved year-on-year £13.5bn 2.7% 2.4% 2.3% 2.5% 2.1% 1.5% 1.4% 1.1% 1.4% 1.2% 30 day arrears 90 day arrears Net L&A 31 Barclays Q1 2021 Fixed Income Investor Presentation

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