Barclays Credit Presentation Deck
STRATEGY, TARGETS
& GUIDANCE
Gross exposure (£bn)
16.5
0.8
Dec-19 Dec-20 Dec-21
1.7
0.6
11.9
0.5
1.3
5.1
0.8
9.9
0.5
0.3
In th
3.6
2.1
1.2
1.1
10.6
0.8
7.5
7.3
0.2
Gross exposure (£bn)
12.4
0.6
PERFORMANCE
1.6
8.3
7.6
0.5
0.3
1.1
0.8
In
10.2
6.6
6.5
Dec-19 Dec-20 Dec-21
Stage 1
Dec-21 UK and US cards coverage ratios still meaningfully above
pre-pandemic levels
Stage 2
UK cards
Impairment allowance (£bn)
2.0
0.1
0.1
Dec-19 Dec-20 Dec-21
0.7
0.4
UK Personal loans and partner finance
Impairment allowance (£bn)
0.7
0.2
ASSET QUALITY
■ Stage 3
0.4
35 | Barclays Q4 2021 Results | 23 February 2022
0.2
0.1
0.1
0.1
Dec-19 Dec-20 Dec-21
0.1
0.5
0.3
Coverage ratio
10.5% 16.6% 12.8%
65.1% 73.1% 67.0%
CAPITAL
& LEVERAGE
21.6% 33.1% 36.6%
1.2%
5.4%
Dec-19 Dec-20 Dec-21
70.7%
2.4%
0.8%
Coverage ratio
9.0%
80.4%
10.5% 21.4%
1.6%
2.0%
Dec-19 Dec-20
6.0%
73.2%
18.0%
1.1%
MREL, FUNDING
& LIQUIDITY
Dec-21
Gross exposure (£bn)
22.5
1.5
2.8
18.2
CREDIT RATINGS
8.8
0.5
1.4
17.1
1.3
6.9
4.1
11.7
Dec-19 Dec-20 Dec-21
Gross exposure (£bn)
10.3
0.5
1.1
9.2
0.5
18.0
0.9
1.7
1.5
15.4
7.2
Germany
8.7
Dec-19 Dec-20 Dec-21
2.1
US cards
Impairment allowance (£bn)
1.2
ESG
0.4
2.5
0.2
1.0
1.1
DIVISIONS
& LEGAL ENTITIES
0.6
0.3
0.3
Dec-19 Dec-20 Dec-21
0.5
0.2
0.2
1.9
0.7
0.1
0.7
0.5
and other unsecured lending
Impairment allowance (£bn)
0.4
0.2
0.2
0.1
Dec-19 Dec-20 Dec-21
0.1
0.1
Coverage ratio
9.1% 14.3% 10.6%
79.6%
21.3%
1.6%
4.8%
APPENDIX
40.6%
0.7%
78.1% 72.6%
Dec-19 Dec-20 Dec-21
Dec-19
27.%
2.7%
Coverage ratio
5.7%
11.5% 14.9%
41.7%
1.1%
40.3%
Dec-20
3.5%
3.9%
42.1%
10.6%
0.7%
Dec-21
BARCLAYSView entire presentation