Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE CAPITAL & LEVERAGE DIVISIONS & LEGAL ENTITIES Retail portfolios in the UK and US continue to be appropriately positioned UK mortgages UK cards US cards ● ● ● ● ● ● PERFORMANCE ASSET QUALITY Strong balance growth supported by elevated demand and stamp duty relief Arrears levels at multi-year lows 50.7% average balance weighted LTV of mortgage book stock Buy-to-Let mortgages represent 13.1% of the book MREL, FUNDING & LIQUIDITY A suite of prudent risk actions taken in 2020 Risk actions unwound during 2021 as outlook improved Balances remain low compared to pre-COVID-19 levels Arrears levels have reduced significantly Balances as a result of promotional balance transfers represent £1.1 bn, all of which have a duration of <24 month 37 | Barclays Q4 2021 Results | 23 February 2022 Portfolio remains well positioned across key segments with good risk/return balance Continuing our focus on partnership co-brand strategy CREDIT RATINGS UK mortgage balance growth within risk appetite UK cards arrears rates improved YoY US cards arrears rates improved YoY ESG 143.3 67.9% 51.1% FY19 Average LTV on flow 14.7 1.7% 0.8% 20.5 2.7% 1.4% 148.3 FY19 30 day arrears 67.5% 50.7% FY20 Average LTV on stock 9.9 1.7% 14.7 0.8% FY19 FY20 30 day arrears 90 day arrears Net L&A Note: The marked reduction in 30 & 90 days delinquency for UK cards is as a result of a change in charge off policy; notably changing the point of charge off from 180 to 120 days 2.5% 1.4% APPENDIX FY20 90 day arrears 158.2 69.5% 50.7% FY21 Gross L&A 8.7 1.0% 0.2% FY21 16.1 1.6% 0.8% FY21 Net L&A BARCLAYS

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