Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE Outlook Income Impairment Costs Capital Capital returns PERFORMANCE • ● ASSET QUALITY CAPITAL & LEVERAGE MREL, FUNDING & LIQUIDITY CREDIT RATINGS ESG 13 | Barclays Q4 2021 Results | 23 February 2022 DIVISIONS & LEGAL ENTITIES Barclays' diversified income streams position the Group well for the ongoing economic recovery and rising interest rates 1 Group cost outlook is based on an average rate of 1.35 (USD/GBP) in 2022 and subject to foreign currency movements | Impairment charge is expected to remain below pre-COVID-19 pandemic levels in coming quarters given reduced unsecured lending balances and an improved macroeconomic outlook APPENDIX Inflationary pressures and planned investment spend are expected to result in FY22 costs excluding structural cost actions and performance costs being modestly higher than £12.0bn¹ The CET1 ratio is expected to be impacted by c.80bps of regulatory changes which took effect from 1 January 2022 Capital returns policy incorporates a progressive ordinary dividend, supplemented as appropriate, including with share buybacks BARCLAYS

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