Barclays Credit Presentation Deck

1.75 1.25 0.75 0.25 -0.25 Dec-18 8 6 4 STRATEGY, TARGETS & GUIDANCE 2 0 The real economy backdrop is supportive of Barclays' corporate and consumer businesses Dec-18 Mar-19 Mar-19 Jun-19 Jun-19 Sep-19 PERFORMANCE Sep-19 Interest rates (%) GBP 5 Year swap rate¹ Dec-19 Mar-20 Dec-19 Mar-20 Jun-20 ASSET QUALITY 5 Barclays Q4 2021 Results | 23 February 2022 Monthly YoY inflation (%) UK Jun-20 Sep-20 -US UK base rate Sep-20 Dec-20 Mar-21 Dec-20 Mar-21 CAPITAL & LEVERAGE Jun-21 18th Feb: 1.55 18th Feb: 0.50 Sep-21 MREL, FUNDING & LIQUIDITY Dec-21 Jun-21 Sep-21 Jan-22: 7.5 Jan-22: 5.5 Dec-21 15 5 -5 -15 15 10 5 0 CREDIT RATINGS Apr-21 Dec-18 Change in monthly card spending vs. 2019² (%) May-21 Mar-19 Jun-19 Jun-21 ESG Sep-19 UK debit and credit cards Jul-21 Dec-19 Aug-21 Sep-21 Mar-20 Unemployment rate5 (%) • UK DIVISIONS & LEGAL ENTITIES - Jun-20 US Sep-20 US credit cards Oct-21 Nov-21 Dec-20 APPENDIX Mar-21 Jun-21 Jan-22: 7.43 Jan-22: (0.2)³ Dec-21 Sep-21 Jan-22 Jan-22: 4.0 Dec-21: 4.1 Dec-21 1 UK Pound Sterling SONIA OIS Zero 5 Year Point (Refinitiv: GBPOIS5YZ=R) | 2 UK debit and credit cards data based on Barclays debit and credit cards transactions, as per the monthly Barclays UK Consumer Spending Report | 3 Compared against Jan-20 | 4 UK CPI YY (Refinitiv: GBHICY=ECI) and US CPI YY NSA (Refinitiv: USCPNY=ECI) | 5 UK unemployment rate (Refinitiv: GBILOU-ECI) and US unemployment rate (Refinitiv: USUNR=ECI) | BARCLAYS

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