FY 2022 Results

Q422: Barclays UK higher income supported by rising rates Q422 Performance £2.0bn Income Q421: £1.7bn £1.1bn Costs Q421: £1.2bn Income (£bn) +16% Net interest margin FY23 NIM expected to be greater than 3.20%2 2.0 58% £0.2bn 1.7 Cost: Income 0.5 0.29% Impairment +30% (0.33%) ratio Q421:73% Q421: £(0.1)bn 0.4 0.13% release 0.3 -24% 0.4 27bps £0.7bn Loan loss rate PBT Q421:(10)bps Q421:£0.5bn 18.7% £205.1bn 3.01% 1.2 +25% 1.0 3.10% Q322 Structural hedge Bank rate Other Q422 ROTE Loans¹ Q421:16.8% Sep-22: £205.1bn Q421 Q422 87% Loan: deposit NII £1,561m ratio Sep-22:86% £73.1bn RWAs Sep-22: £73.2bn ■Business Banking ■Barclaycard Consumer UK ■Personal Banking AIEA³ £206bn 1 Loans and advances at amortised cost | 2 Assumes the UK Bank Rate peaks at 4.25% in 2023 | 3 Average Interest Earning Assets (AEIA) | Note: Charts may not sum due to rounding | 17 | Barclays FY 2022 Results | 15 February 2023 £1,600m £205bn BARCLAYS

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