Barclays H1 2022 Results

Q222 Barclays International: Consumer, Cards & Payments ROTE of 17.8% reflecting strong income performance driven by economic recovery and business growth Income £1.1bn Q221:£0.8bn Costs £0.7bn Q221: £0.6bn Cost: income Impairment ratio 62% Q221: 72% £0.1bn Q221: £(42)m release Loan loss rate 132bps Q221: n/a ROTE 17.8% Q221: 21.8% Total assets £80.6bn Mar-22: £69.2bn PBT £0.3bn Q221: £0.3bn Average equity¹ £4.6bn Q221: £4.0bn RWAS £36.2bn Mar-22: £31.6bn • Income up 29% - Payments income up 35% driven by higher volumes and margin improvements following the easing of lockdown restrictions in the past year International Cards and Consumer Bank income up 34% as higher US cards balances were partially offset by higher customer acquisition costs Private Bank income up 14% reflecting client balance growth and improved margins Total US cards balances increased 30% reflecting recovery post pandemic and acquisition of the GAP portfolio consisting of $3.3bn of end net receivables Merchant acquiring volumes continue to recover following the easing of lockdown restrictions Costs up 11% driven by investment spend, including an increase in marketing costs and costs relating to onboarding of the GAP partnership Impairment increased to £0.1bn driven by higher balances in US cards, including the acquisition of the GAP portfolio, partly offset by lower provisions held for uncertainty RWAs increased by £4.6bn QoQ primarily driven by acquisition of the GAP portfolio and weaker GBP Q221 Q321 Q421 Q122 Q222 1,083 840 878 886 808 147 Total 109 126 134 245 130 income 214 200 214 188 (Em) 691 517 490 552 538 International Cards Private Bank Payments & Consumer Bank US cards End Net Receivables 20.1 21.1 22.2 21.9 26.2 ($bn) Merchant 67.3 70.0 71.5 71.3 74.1 Acquiring payments 28.2 27.2 27.6 29.9 27.3 processed² 39.1 42.8 43.9 41.4 46.8 (£bn) In-store Online Impairment (Em) 110 96 134 144 (42) 67.2 67.5 69.4 71.4 77.9 Deposits³ 14.8 15.0 15.3 16.0 18.8 (£bn) 52.5 52.5 54.1 55.4 59.1 Private Bank International Cards and Consumer Bank 1 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 | 26 | Barclays H1 2022 Results | 28 July 2022 BARCLAYS

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