Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE 21,766 6,347 3,445 12,476 PERFORMANCE (502) FY20 ASSET QUALITY 17 | Barclays Q4 2021 Results | 23 February 2022 Income: ongoing benefits from business diversification enabling increased revenue YoY Group income +1% YoY despite an 8% USD/GBP depreciation (£m) 21,940 6,536 CAPITAL & LEVERAGE 3,331 12,334 (261); FY21 MREL, FUNDING & LIQUIDITY CREDIT RATINGS Barclays UK: +3% YoY Bl: Consumer, Cards & Payments -3% YoY Bl: Corporate & Investment Bank -1% YoY ESG Head Office: +48% YoY DIVISIONS & LEGAL ENTITIES APPENDIX Strong mortgage volumes and margins Non-recurrence of prior year COVID-19 customer support actions Partially offset by lower unsecured lending balances Lower average US cards balances and higher initial costs on new account acquisition Global Markets -1 Partially offset by higher Unified Payments and Private Bank income Equities +20% and FICC -33% Investment Banking fees +34% ECM +72%, Advisory +64% and DCM +13% Corporate +6% Transaction Banking +8% and Corporate Lending flat Hedge accounting, legacy funding costs and other treasury items, partially offset by mark-to-market gains on legacy investments and Absa dividends BARCLAYS

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