Barclays Credit Presentation Deck

STRATEGY, TARGETS & GUIDANCE Income £3.5bn Q420: £3.5bn Cost: income ratio 66% Q420: 68% Loan loss rate 7bps Q420: 90bps ROTE 10.4% Q420: 5.8% PERFORMANCE Q421 Barclays International ROTE of 10.4% driven by resilient income and operating performance Total assets £1,044bn Sep-21: £1,076bn Costs £2.3bn Q420: £2.4bn Impairment £23m Q420: £291m PBT £1.2bn Q420: £0.8bn Average equity¹ £32.9bn Q420: £30.5bn RWAS £230.9bn Sep-21: £222.7bn ● 24 | Barclays Q4 2021 Results | 23 February 2022 ASSET QUALITY ● CAPITAL & LEVERAGE Income increased 1% MREL, FUNDING & LIQUIDITY Balanced income profile across businesses and geographies 2% depreciation of average USD against GBP was a headwind to income and profits, and a tailwind to impairment and costs Costs decreased 2% to £2.3bn resulting in an improved cost: income ratio of 66% CREDIT RATINGS Impairment charge of £23m reflecting a net release in CIB and a low CC&P charge driven by low delinquencies and high repayment rates in US cards RWAS increased £8.2bn QoQ to £230.9bn driven by higher modelled market risk RWAS Average allocated tangible equity | ² BBPLC FY21 income, based on location of office where transactions were recorded | Note: Charts may not sum due to rounding | 25% 18% 15% 30% ESG Business diversity of Q421 income (£m) 7% DIVISIONS & LEGAL ENTITIES 27% Geographic diversity of FY21 income² (%) 30% 48% APPENDIX Global Markets Investment Banking fees Corporate CC&P Americas UK Europe Other BARCLAYS

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