Barclays H1 2022 Results

Retail portfolios in the UK and US continue to be appropriately positioned UK mortgages • • Strong balance growth supported by elevated market demand Arrears levels at multi-year lows 50.8% average balance weighted LTV of mortgage book stock Buy-to-Let mortgages represent 12.8% of the book 158.2 159.7 UK 148.3 mortgage 143.3 69.5% balance 68.6% 67.9% 67.5% growth within risk appetite 51.1% 50.7% 50.7% 50.8% FY19 FY20 FY21 H122 Average LTV on flow Average LTV on stock Gross L&A 8.8 8.7 8.8 8.6 UK cards • • Balances have shown marginal growth during Q2, following periods of lower lending demand and higher repayment rates Overall balances remain significantly below pre-pandemic levels Arrears rates remain stable at low levels Portfolio resiliently positioned against potential affordability stress US cards • Portfolio remains well positioned across key segments with good risk/return balance • Arrears remain near historical lows, but monitoring portfolio for signs of stress Assets trending higher YoY and successful launch of GAP co- brand and private label card programme added $3.3bn (£2.7bn) • Continuing our focus on partnership co-brand strategy 40 | Barclays H1 2022 Results | 28 July 2022 8.4 UK cards 1.4% arrears rates 1.0% 1.0% 1.0% 1.0% improved YOY 0.6% 0.3% 0.2% 0.3% 0.2% Q221 Q321 Q421 Q122 Q222 30 day arrears 90 day arrears Net L&A 21.3 15.2 16.1 16.3 14.1 US cards arrears rates 1.6% 1.5% 1.6% 1.6% 1.4% improved YOY 0.9% 0.7% Q221 Q321 0.8% 0.8% 0.7% Q421 Q122 Q222 30 day arrears 90 day arrears Net L&A BARCLAYS

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