Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE Income £1.7bn Q420: £1.6bn Cost: income ratio 73% Q420: 73% Loan loss rate n/a Q420:31bps ROTE 16.8% Q420: 6.5% PERFORMANCE Loan: deposit ratio 85% Sep-21:86% Q421 Barclays UK ROTE of 16.8% including structural cost actions, with FY21 NIM of 2.52% in line with guidance Costs £1.2bn Q420: £1.2bn Impairment £(0.1)bn release Q420: £0.2bn charge PBT £0.5bn Q420: £0.3bn Average equity¹ £10.0bn Q420: £9.8bn RWAS £72.3bn Sep-21: £73.2bn ● 23 | Barclays Q4 2021 Results | 23 February 2022 ● ● ASSET QUALITY ● CAPITAL & LEVERAGE MREL, FUNDING & LIQUIDITY Income increased 4% primarily driven by improved mortgage margins and increased balances, partially offset by lower unsecured lending balances Increase in non-interest income QoQ reflects higher debt sales NIM flat QoQ at 2.49%, FY21 NIM of 2.52% FY22 NIM expected to be between 2.60% - 2.70%, reflecting the benefit of higher rates², partially offset by the mix of secured vs. unsecured lending growth CREDIT RATINGS Costs increased 5% driven by structural cost actions of £196m to deliver efficiency savings over time Impairment release of £59m due to an improved macroeconomic outlook, and lower unsecured lending balances and delinquencies Loans³ remained broadly stable QoQ at £208.8bn Customer deposits4 increased £3.8bn QoQ to £260.6bn primarily driven by growth in Personal Banking, further strengthening the liquidity position and contributing to a loan: deposit ratio of 85% Total income (£m) Net interest margin (NIM) Costs (Em) Impairment (£m) Loans ³ (£bn) Customer deposits4 (£bn) Average allocated tangible equity | ² Assumes the UK base rate increases to 1% by the end of 2022 | ³ Loans and advances at amortised cost | 4 Customer deposits at amortised cost | ESG Q420 Q121 1,626 309 1,317 1,576 295 1,281 NII 2.56% 1,180 170 205 241 2.54% Non-interest income 1,039 77 DIVISIONS & LEGAL ENTITIES 206 248 Q221 Q421 Q321 1,623 1,638 1,699 318 386 335 1,303 1,305 1,313 2.55% 1,097 (520) 208 256 2.49% 1,051 137 209 APPENDIX 257 2.49% 1,243 (59) 209 261 BARCLAYS

View entire presentation