Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE Structural cost actions Performance costs PERFORMANCE Base costs¹ ASSET QUALITY 14,439 648 1,745 21 | Barclays Q4 2021 Results | 23 February 2022 FY22 base costs expected to be modestly higher than £12.0bn due to inflationary pressures and planned investment spend FY21 to FY22 costs outlook (£m) 12,046 CAPITAL & LEVERAGE FY21 MREL, FUNDING & LIQUIDITY Demand-led growth Inflationary pressures CREDIT RATINGS Key drivers of base costs² Strategic investments Technology and digital Cyber, fraud and regulatory controls • Amortisation of capitalised costs . ESG Investment spend ● Technology productivity • Process optimisation • Smart procurement • Real estate strategy DIVISIONS & LEGAL ENTITIES Business related growth Base costs reflect volume-related growth, inflationary pressures and investments, partially offset by efficiencies The ongoing economic recovery is presenting attractive opportunities, leading to continued volume related growth and investment spend in FY22 FY22 structural cost actions are expected to be lower than FY21 Continuing to drive efficiencies, including continued transformation of the BUK cost base Performance costs will be dependent on business performance and Group returns Efficiency savings ¹ Costs excluding structural cost actions and performance costs | ² Bars not to scale | ³ Group cost outlook is based on an average rate of 1.35 (USD/GBP) in 2022 and subject to foreign currency movements | APPENDIX Modestly higher than £12.0bn³ FY22 BARCLAYS

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