FY 2022 Results

Q422: CC&P strong income growth of 46% YoY Q422 Performance Income (£bn) £1.3bn Income Q421:£0.9bn £0.8bn Costs Q421: £0.6bn +46% US Cards End 1.3 Net Receivables 60% Cost: Income ratio Q421:72% £0.3bn Impairment Q421:£0.1bn 0.9 +56% 0.9 245bps £0.2bn Loan loss rate PBT 0.6 Q421:105bps Q421:£0.2bn Private Bank Client Assets and Liabilities² 13.0% ROTE Q421:11.7% 8.40% 0.3 +43% NIM 0.2 Q322:8.41% 0.1 0.1 +12% Value of Q421 Q422 payments £43.2bn Loans¹ Sep-22: £43.4bn £38.9bn International Cards and Consumer Bank RWAS Private Bank Sep-22: £38.7bn ■Payments processed 4 $29.2bn +31% vs Q421 £139.4bn of which £62.4bn AUM³ +10% vs Q421 AUM3 +6% vs. Q421 £78.2bn +6% vs Q421 CC&P: 60-70% of income and 45-50% of costs in USD since 20205 1 Loans and advances at amortised cost | 2 Client Assets and Liabilities refers to customer deposits, lending and investment products including client assets under management or supervision | 3 Assets under management (AUM) includes assets under management and supervision | 4 Includes £75.3bn (2021: £68.4bn) of merchant acquiring payments | 5 Based on an average of FY20, FY21 and Q322 YTD income, and FY21 and Q322 YTD costs currency mix. Range may vary depending on business mix and macroeconomic environment and historical outcomes may not be indicative of future currency mix | 18 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS

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