Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE 4,838 1,467 1,721 1,559 91 PERFORMANCE FY20 Impairment: FY21 net release of £0.7bn, reflecting lower unsecured lending balances and a net release in the CIB Impairment charge / (release) (£m) Head Office ■ Consumer, Cards & Payments ASSET QUALITY 32 | Barclays Q4 2021 Results | 23 February 2022 185 (473) CAPITAL & LEVERAGE (365) (653) FY21 MREL, FUNDING & LIQUIDITY ■ Corporate & Investment Bank ■ Barclays UK BUK Bl: CC&P CREDIT RATINGS BI: CIB ESG Drivers of impairment charge / (release) Impairment release of £365m driven by an improved macroeconomic outlook and lower unsecured lending balances reflecting reduced borrowing, customer repayments and lower delinquencies DIVISIONS & LEGAL ENTITIES UK cards 30 and 90 day arrears rates were 1.0% and 0.2% respectively (Q420: 1.7% and 0.8%) Impairment charge of £185m, down 89% YoY driven by lower US cards delinquencies and customer repayments 4,838 US cards 30 and 90 day arrears rates were 1.6% and 0.8% respectively (Q420: 2.5% and 1.4%) 2,323 APPENDIX Impairment release of £473m including an improved macroeconomic outlook and a net wholesale release Components of impairment charge / (release) (£m) 2,515 FY20 Stage 1 and 2 impairment ■ Stage 3 impairment 693 (1,346) (653) FY21 BARCLAYS

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