Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE PERFORMANCE 45.8 169.7 Group on balance sheet exposure £367.2bn 151.7 ASSET QUALITY Wholesale exposures are diversified and appropriately covered, especially in selected vulnerable sectors Wholesale and vulnerable sector exposure Wholesale lending (£bn) 151.7 16.4 ■ Wholesale 1 Education, Social Housing and Local Authority | ■ Home Loans CAPITAL & LEVERAGE ■ Other Retail 36 | Barclays Q4 2021 Results | 23 February 2022 c.30% of the book is secured, increasing to >60% for the selected vulnerable sectors 62.1 13.4 27.9 31.8 Majority of exposure (>65%) is to clients internally rated as Investment Grade or have a Strong Default Grade classification. Non-Investment Grade exposure is typically senior and lightly drawn MREL, FUNDING & LIQUIDITY c.25% synthetic protection provided by risk mitigation trades, increasing to >30% for some selected vulnerable sectors Active identification and management of high risk sectors have been in place following the Brexit referendum, with actions taken to enhance lending criteria and reduce risk profile CREDIT RATINGS Selected Sectors Other Corporates ■ESHLA¹ Well diversified portfolio across sectors and geographies Financial Institutions Debt Securities ESG DIVISIONS & LEGAL ENTITIES Selected sectors (£bn/coverage ratio %) 16.4 (2.1%) 0.5 (9.7%) 0.6 (2.8%) 1.7 (3.2%) 2.4 (1.8%) 4.9 (1.9%) 6.3 (1.4%) APPENDIX Air Travel ■Shipping ■Transportation Oil and gas Retail Hospitality Covenants in place based on leverage, LTVs, and debt service ratios for clients in high risk sectors Retail - top names are typically consumer staples, Investment Grade or secured against premises/subject to asset-backed loans Air travel - tenor of lending typically with an average life of 2-4 years, senior secured for high yield counterparties and focused on top tier airlines in the UK and US Oil & gas - exposure across a range of oil and gas sub-sectors globally, with majority to Investment Grade counterparties (including oil majors) BARCLAYS

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