Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE Income £5.2bn Q420: £4.9bn Q421 Group highlights Cost: income ratio 72% Q420: 77% PBT £1.5bn Q420: £0.6bn ROTE 9.3% Q420: 1.8% PERFORMANCE TNAV per share 292p Sep-21:287p Costs £3.7bn Q420: £3.8bn Impairment £(31)m release Q420: £0.5bn charge EPS 6.6p Q420: 1.3p CET1 ratio 15.1% Sep-21: 15.4% Liquidity Coverage Ratio 168% Sep-21: 161% 22 | Barclays Q4 2021 Results | 23 February 2022 ● ● ● ● . ● ASSET QUALITY . CAPITAL & LEVERAGE MREL, FUNDING & LIQUIDITY 646 Income of £5.2bn, up 4% driven by improved income from BUK and CCP, with stable CIB income Costs down 3%, reflecting efficiency savings, reduced performance costs and lower bank levy, partially offset by higher BUK structural cost actions and investment in business growth Q420 Net credit impairment release of £31 m, reflecting an improved macroeconomic outlook, lower unsecured lending balances and a net wholesale release CREDIT RATINGS PBT of £1.5bn compared to £0.6bn in Q420 Attributable profit of £1.1 bn generated EPS of 6.6p and ROTE of 9.3%, with all operating divisions generating double digit returns 219 CET1 ratio of 15.1%, down c.30bps from Sep-21, reflecting higher RWAS and the dividend accrual, partially offset by earnings Income TNAV per share increased 5p to 292p QoQ, primarily reflecting 6.6p of EPS, partially offset by adverse reserve movements ESG Profit before tax (£m) 96 DIVISIONS & LEGAL ENTITIES Costs 523 APPENDIX Impairment 10 Other net income 1,474 Q421 BARCLAYS

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