Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE Income £0.9bn Q420: £0.8bn Cost: income ratio 72% Q420: 65% Loan loss rate 105bps Q420: 286bps PERFORMANCE ROTE 11.7% Q420: 2.7% Costs £0.6bn Q420: £0.6bn Q421 Barclays International: Consumer, Cards & Payments ROTE of 11.7% reflecting improved income, lower impairment and investment for growth in US cards Impairment £96m Q420: £239m PBT £0.2bn Q420: £0.1bn Average equity¹ £4.2bn Q420: £4.2bn Total Assets RWAS £30.2bn £64.8bn Sep-21: £64.6bn Sep-21: £30.2bn ASSET QUALITY ● 26 | Barclays Q4 2021 Results | 23 February 2022 CAPITAL & LEVERAGE Income increased 4% MREL, FUNDING & LIQUIDITY Payments income increased 29% driven by higher turnover following the easing of lockdown restrictions Private Bank income increased 15% reflecting client balance growth International Cards and Consumer Bank income decreased 4% reflecting reduced US cards income, as balance growth was offset by higher initial costs on new account acquisitions Total US cards balances were up 6% YoY and 5% QoQ. Average balances were up 4% YoY and 6% QoQ Balance growth QoQ was driven by increased spend reflecting economic recovery and seasonality, although repayment levels remained elevated Merchant acquiring volumes continue to recover following the easing of lockdown restrictions CREDIT RATINGS c.40% of merchant acquiring volumes are through e- commerce channels despite a recovery in in-store spending Costs increased 13% reflecting higher marketing spend and investments in new and existing partnerships Impairment decreased 60% driven by lower US cards delinquencies and customer repayments Total income (£m) US cards End Net Receivables ($bn) Merchant Acquiring payments processed² (£bn) Impairment (£m) ESG Deposits ³ (£bn) Q420 848 98 174 576 21.0 65.3 29.9 35.4 International Cards & Consumer Bank In-store 239 65.3 15.6 49.7 Private Bank Q121 Q221 805 93 179 533 19.3 61.4 32.2 29.2 DIVISIONS & LEGAL ENTITIES Online 21 66.0 15.3 50.7 840 109 214 517 Private Bank 20.1 67.3 28.2 39.1 (42) 67.2 14.8 52.5 Q321 808 130 188 490 21.1 70.0 27.2 42.8 110 67.5 15.0 52.5 Average allocated tangible equity | ² Based on the value of transactions. Includes turnover associated with government savings products. In-store refers to all non-online transactions | 3 Includes deposits from banks and customers at amortised cost | APPENDIX Q421 878 International Cards and Consumer Bank 126 200 552 Payments 22.2 71.5 27.6 43.9 96 69.4 15.3 54.1 BARCLAYS

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