Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE 13.4% 2021 ROTE PERFORMANCE 2.2% 2 £(1.0)bn Barclays is well-positioned to deliver sustainable double digit returns 1.0% £(0.5)bn Post-tax modelled impairment reversal¹ DTA re- measurement Impairment 2 Tax ASSET QUALITY 12 | Barclays Q4 2021 Results | 23 February 2022 CAPITAL & LEVERAGE 10.3% MREL, FUNDING & LIQUIDITY Interest rates ↑ NII uplift from higher rates Cards and Fee income Growth in unsecured balances Increase in payments and transaction banking income CREDIT RATINGS ¹ Post-tax equivalent of Stage 1 and 2 impairment release of £1,346m | ² Bars not to scale | ³2021 structural cost actions reduced the 2021 ROTE by 1.1% ↓↓ Impairment Increased impairment, but below pre-COVID levels ESG Tax Higher tax rate DIVISIONS & LEGAL ENTITIES Illustrative headwinds and tailwinds² Cost dynamics Investment spend Inflationary pressures ✩ Efficiency savings ↑ Lower structural cost actions³ IB performance dynamics Capital markets activity Performance costs flexibility APPENDIX >10% Medium-term target ROTE BARCLAYS

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