FY 2022 Results

FY22 BUK Year ended (Em) Dec-22 - Personal Banking 4,540 3,883 +17% -Barclaycard Consumer UK 1,093 1,250 -13% - -Business Banking Income 1,626 1,403 +16% 7,259 6,536 +11% Dec-21% change FY22 BI Year ended (Em) Income -Operating costs -Bank levy Dec-22 Dec-21% change 17,867 15,665 +14% (10,361) (9,076) -14% (133) (134) +1% - Operating costs (4,260) (4,357) +2% -Litigation and conduct Total operating expenses (1,503) (345) (11,997) (9,555) -26% - Bank levy (26) (36) +28% Other net income -Litigation and conduct (41) (37) -11% Profit before impairment Total operating expenses (4,327) (4,430) +2% Other net (expenses)/income Credit impairment (charges)/releases Profit before tax 28 40 5,898 6,150 (933) 288 -30% -4% Profit before impairment 2,932 2,106 +39% Attributable profit 4,965 6,438 -23% 3,844 4,647 -17% - Personal Banking (167) 28 -Barclaycard Consumer UK 30 404 -93% Performance measures Dec-22 Dec-21 - Business Banking (149) (67) -122% ROTE 10.2% 14.4% Credit impairment (charges)/releases (286) 365 Average allocated tangible equity £37.6bn £32.4bn Profit before tax 2,646 2,471 +7% Cost: income ratio Attributable profit 1,877 1,756 +7% Loan loss rate NIM 67% 61% 54bps (21)bps 5.02% 4.01% Performance measures Dec-22 Dec-21 ROTE 18.7% 17.6% Average allocated tangible equity Cost: income ratio Loan loss rate NIM Mortgages gross lending Balance sheet and capital L&A to customers at amortised cost Customer deposits at amortised cost Loan: deposit ratio RWA £10.0bn £10.0bn Balance sheet and capital RWAS Dec-22 Sep-22 | Dec-21 £254.8bn £269.3bn £230.9bn 60% 68% 13bps (16)bps 2.86% 2.52% £30.2bn £33.9bn Dec-22 Sep-22 Dec-21 £205.1bn £205.1bn £208.8bn £258.0bn £261.0bn £260.6bn 87% 86% 85% £73.1bn £73.2bn £72.3bn 48 | Barclays FY 2022 Results | 15 February 2023 BARCLAYS

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