Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE UK GDP UK unemployment US GDP US Annual growth Quarterly average Retaining management adjustments due to economic uncertainty Baseline macroeconomic variables (MEVS) Change in MEVS 2021 2022 2023 Annual growth Quarterly unemployment average PERFORMANCE MEVS used in Q321 results 2021 2022 2023 6.5% 5.0% 6.8% 5.5% 5.2% 33 | Barclays Q4 2021 Results | 23 February 2022 ASSET QUALITY 4.4% 5.1% 4.7% 4.2% Impairment allowance (£m) Allowance pre management adjustment Management adjustment Of which economic uncertainty adjustments Of which other adjustments Total Of which on balance sheet Of which off balance sheet 2.3% 2.4% 4.0% 6.2% 4.8% CAPITAL & LEVERAGE 2021 2022 2023 5.5% 5.5% Q421 MEVS 4.9% 4.7% MREL, FUNDING & LIQUIDITY 3.9% 4.2% 2.3% 4.5% 3.6% -0.3% -0.3% CREDIT RATINGS -0.2% -0.4% 2.6% -1.3% -0.5% Dec-19 Sep-21 6,290 4,794 340 1,963 2,039 340 (76) 6,630 6,757 (352) (31) (90) 6,308 6,210 322 547 Dec-21 4,798 1,486 1,692 (206) 6,284 5,742 542 -0.2% +0.2% ESG -0.4% Balance sheet impairment allowance and management adjustment Write P&L Other offs release incl. FX DIVISIONS & LEGAL ENTITIES APPENDIX Q421 baseline UK and US MEVS have improved from Q321, including unemployment forecasts in both the UK and US Total Group impairment allowance reduced by £0.5bn to £6.3bn, reflecting write-offs of £352m, an impairment release of £31m and other movements including FX Given reduced unsecured lending balances and an improved macroeconomic outlook, the impairment charge is expected to remain below pre-COVID-19 pandemic levels in coming quarters Management judgements have been maintained in respect of economic uncertainty, including customers and clients considered to be potentially more vulnerable as government and other support schemes have started to reduce BARCLAYS

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