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Barclays — Barclays PLC Results Announcement (PDF 515KB) (company IR deck)
Barclays (BCS) · 57 slides · Filed Oct 22, 2026
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Slide 1 — Barclays PLC
Barclays PLC Q326 Results Announcement 30 September 2026
Slide 2 — Notes
The terms Barclays and Group refer to Barclays PLC together with its subsidiaries. Unless otherwise stated, the income statement analysis compares the nine months ended 30 September 2026 to the corresponding nine months of 2025 and balance sheet analysis as at 30 September 2026 with comparatives relating to 31 December 2025 and 30 September 2025. The abbreviations ‘£m’ and ‘£bn’ represent millions and thousands of millions of Pounds Sterling respectively; the abbreviations ‘$m’ and ‘$bn’ represent millions and thousands of millions of US Dollars respectively; and the abbreviations ‘€m’ and ‘€bn’ represent millions and thousands of millions of Euros respectively. There are a number of key judgement areas, for example impairment calculations, which are based on models and which are subject to ongoing adjustment and modifications. Reported numbers reflect best estimates and judgements at the given point in time. Relevant terms that are used in this document but are not defined under applicable regulatory guidance or International Financial Reporting Standards (IFRS) are explained in the results glossary, which can be accessed at home.barclays/investor-relations. The information in this announcement, which was approved by the Board of Directors on 21 October 2026, does not comprise statutory accounts within the meaning of Section 434 of the Companies Act 2006. Statutory accounts for the year ended 31 December 2025, which contain an unmodified audit report under Section 495 of the Companies Act 2006 (which does not make any statements under Section 498 of the Companies Act 2006) have been delivered to the Registrar of Companies in accordance with Section 441 of the Companies Act 2006. These results will be furnished on Form 6-K to the US Securities and Exchange Commission (SEC) as soon as practicable following publication of this document. Once furnished to the SEC, a copy of the Form 6-K will be available from the SEC’s website at www.sec.gov. Barclays is a frequent issuer in the debt capital markets and regularly meets with investors via formal roadshows and other ad hoc meetings. Consistent with its usual practice, Barclays expects that from time to time over the coming quarter it will meet with investors globally to discuss these results and other matters relating to the Group. Non-IFRS performance measures Barclays’ management believes that the non-IFRS performance measures included in this document provide valuable information to the readers of the financial statements as they enable the reader to identify a more consistent basis for comparing the businesses’ performance between financial periods and provide more detail concerning the elements of performance which the managers of these businesses are most directly able to influence or are relevant for an assessment of the Group. They also reflect an important aspect of the way in which operating targets are defined and performance is monitored by Barclays’ management. However, any non-IFRS performance measures in this document are not a substitute for IFRS measures and readers should consider the IFRS measures as well. Refer to the appendix on pages 47 to 55 for definitions and calculations of non-IFRS performance measures included throughout this document, and reconciliations to the most directly comparable IFRS measures. Forward-looking statements This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934, as amended, and Section 27A of the US Securities Act of 1933, as amended, with respect to the Group. Barclays cautions readers that no forward- looking statement is a guarantee of future performance and that actual results or other financial condition or performance measures could differ materially from those contained in the forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate only to historical or current facts. Forward-looking statements sometimes use words such as ‘may’, ‘will’, ‘seek’, ‘continue’, ‘aim’, ‘anticipate’, ‘target’, ‘projected’, ‘expect’, ‘estimate’, ‘intend’, ‘plan’, ‘goal’, ‘believe’, ‘achieve’ or other words of similar meaning. Forward-looking statements can be made in writing but also may be made verbally by directors, officers and employees of the Group (including during management presentations) in connection with this document. Examples of forward-looking statements include, among others, statements or guidance regarding or relating to the Group’s future financial position, business strategy, income levels, costs, assets and liabilities, impairment charges, provisions, capital leverage and other regulatory ratios, capital distributions (including policy on dividends and share buybacks), return on tangible equity, projected levels of growth in banking and financial markets, industry trends, any commitments and targets (including sustainability-related commitments and targets), plans and objectives for future operations, International Financial Reporting Standards (“IFRS”) and other statements that are not historical or current facts. By their nature, forward-looking statements involve risk and uncertainty because they relate to future events and circumstances. Forward-looking statements speak only as at the date on which they are made. Forward-looking statements may be affected by a number of factors, including, without limitation: changes in legislation, regulations, governmental and regulatory policies, expectations and actions, voluntary codes of practices and the interpretation thereof, changes in IFRS and other accounting standards, including practices with regard to the interpretation and application thereof and emerging and developing sustainability reporting standards (including emissions accounting methodologies); changes in tax laws and practice; the outcome of current and future legal proceedings and regulatory investigations; the Group’s ability along with governments and other stakeholders to measure, manage and mitigate the impacts of climate change effectively or navigate inconsistencies and conflicts in the manner in which climate policy is implemented in the regions where the Group operates, including as a result of the adoption of rules and regulations taking a different or opposing position on sustainability matters, or other forms of governmental and regulatory action against sustainability policies; environmental, social and geopolitical risks and incidents and similar events beyond the Group’s control; financial crime; the impact of competition in the banking and financial services industry; capital, liquidity, leverage and other regulatory rules and requirements applicable to past, current and future periods; UK, US, Eurozone and global macroeconomic and business conditions, including inflation; volatility in credit and capital markets; market related risks such as changes in interest rates and foreign exchange rates; reforms to benchmark interest rates and indices; higher or lower asset valuations; changes in credit ratings of any entity within the Group or any securities issued by it; changes in counterparty risk; changes in consumer behaviour; changes in trade policy, including the imposition of tariffs or other protectionist measures; the direct and indirect consequences of the conflicts in the Middle East and Ukraine on European and global macroeconomic conditions, political stability and financial markets; changes in US legislation and policy; developments in the UK’s relationship with the European Union; the risk of cyberattacks, information or security breaches, technology failures or operational disruptions and any subsequent impact on the Group’s reputation, business or operations; the use of new technology, including artificial intelligence; the Group’s ability to access funding; and the success of acquisitions, disposals, joint ventures and other strategic transactions. A number of these factors are beyond the Group’s control. As a result, the Group’s actual financial position, results, financial and non-financial metrics or performance measures or its ability to meet commitments and targets may differ materially from the statements or guidance set forth in the Group’s forward-looking statements. In setting its targets and outlook for the period 2026-2028, Barclays has made certain assumptions about the macroeconomic environment, including, without limitation, inflation, interest and unemployment rates, the different markets and competitive conditions in which Barclays operates, and its ability to grow certain businesses and achieve costs savings and other structural actions. Additional risks and factors which may impact the Group’s future financial condition and performance are identified in Barclays PLC’s filings with the US Securities and Exchange Commission (“SEC”) (including, without limitation, Barclays PLC’s Annual Report on Form 20-F for the financial year ended 31 December 2025), which are available on the SEC’s website at www.sec.gov. Subject to Barclays PLC's obligations under the applicable laws and regulations of any relevant jurisdiction (including, without limitation, the UK and the US) in relation to disclosure and ongoing information, we undertake no obligation to update publicly or revise any forward-looking statements, whether as a result of new information, future events or otherwise. Notes Barclays PLC 1
Slide 3 — Performance Highlights
Barclays delivered a return on tangible equity (RoTE) of 11.7% in Q326, announced a £500m share buyback, and is on track to deliver its 2026 and 2028 targets C. S. Venkatakrishnan, Group Chief Executive, commented “I am pleased with the ongoing momentum of Barclays' operational and financial performance, with RoTE of 11.7% in Q326 and 13.8% year-to-date. Income of £7.4bn is up 3% from the same quarter last year. Our cost: income ratio has improved to 62% from 63%, profit before tax grew by 12% to £2.3bn, and our earnings per share (EPS) has increased 18%. With one quarter to go before the end of our original three-year plan, we have either achieved or are on track to achieve all of our 2026 Group targets. We are confident in and committed to the 2028 targets that we laid out earlier in the year. In Q326 we drove 7% year-on-year loan growth in our highest returning UK businesses1, with particular strength in UK Corporate Bank, up 14% year-on-year. The Investment Bank delivered strong Equities performance, offsetting a challenging environment for FICC. Our strong organic capital generation and common equity tier 1 (CET1) ratio of 14.2% means that we are in a position to announce a new £500m share buyback tranche today, bringing year-to-date distributions to £2.8bn, up 46% year-on- year.” • Q326 Group RoTE of 11.7% (Q325: 10.6%) and Q326 YTD Group RoTE of 13.8% (Q325 YTD: 12.3%), on track to deliver greater than 12% in 2026 • Q326 EPS of 12.3p, up 18% year-on-year and 43.0p in Q326 YTD, up 23% year-on-year • UK loan growth of 7% year-on-year1, with UK Corporate Bank up 14% – £28bn of the planned c.£30bn UK risk weighted assets (RWAs) growth delivered since 20242, of which £3bn was delivered in Q326 • Strong performance in Equities, with Q326 up 47% year-on-year, reflecting prior investment in Prime Financing and Equity Derivatives offset by a challenging environment for FICC (19% reduction year-on-year) • Continued operational progress in US Consumer Bank reflecting growth across partnership cards, retail deposits, and originated loan balances through Best Egg • Structurally reducing the cost base through expected technology-enabled FTE reductions, creating capacity for further investment in the business – Q326 structural cost actions (SCAs) of £201m (Q325: £93m), with a further c.£300m planned in Q4263 – Group total costs expected to be c.£18.5bn in FY26 and c.£18.4bn in FY27 • Strong capital position and increased shareholder distributions – CET1 ratio of 14.2% and announced intention to initiate a share buyback of up to £500m (Q325: £500m), bringing YTD announced distributions to £2.8bn, up 46% year-on-year • Greater capital flexibility following reduction in Pillar 2A requirements, alongside Basel 3.1 implementation – RWAs expected to increase by £8-15bn on 1 January 2027, equivalent to a reduction in the CET1 ratio of 30-55bps – Expect 59bps reduction in the Pillar 2A requirement, lowering the MDA4 requirement from 12.2% to 11.6% Key financial metrics: RoTE EPS Cost: income ratio LLR Income Profit before tax Attributab le profit TNAV per share CET1 ratio Total capital return5 Q326 11.7% 12.3p 62% 43bps £7.4bn £2.3bn £1.6bn 410p 14.2% £2.8bn Q326 YTD 13.8% 43.0p 57% 55bps £23.9bn £8.4bn £5.8bn Q326 Group Performance Highlights: • Group RoTE increased to 11.7% (Q325: 10.6%), with profit before tax of £2.3bn (Q325: £2.1bn) • Group income of £7.4bn increased 3% year-on-year – Group net interest income (NII) excluding Barclays Investment Bank and Head Office was £3.5bn, up 7% year-on- year, driven by higher structural hedge income and continued lending momentum – Year-on-year NII growth across all operating divisions 1 UK loan growth comprises aggregate growth in loans and advances to customers across Barclays UK, UKCB and PBWM. 2 Represents RWAs from business growth in Barclays UK, UKCB and PBWM since January 2024, excluding the effects of securitisations, model updates and other methodological changes. Also excludes additional operational risk RWAs related to organic growth. 3 At H126 guided SCAs would be up to £0.5bn for H226, which is c.£0.3bn higher than usual annual SCA run-rate. 4 Maximum distributable amount. 5 Q326 YTD total capital return: includes the £500m buyback announced at Q126 Results, the £1.0bn buyback and c.£0.8bn dividend announced at H126 Results and the £500m buyback announced at Q326 Results. Performance Highlights Barclays PLC 2
Slide 4 — Performance Highlights
Q326 Group Performance Highlights (continued) • Group cost: income ratio of 62% (Q325: 63%), with total operating expenses of £4.6bn, increased 1% year-on-year – Group operating costs increased to £4.6bn (Q325: £4.3bn), reflecting business growth (including £65m related to changes in material risk taker (MRT) compensation mix), inflation and further investment spend (including £201m of Q326 SCAs, with £110m in Barclays UK), partially offset by c.£200m of cost efficiency savings • Credit impairment charges were £0.5bn, down 20% year-on-year, reflecting more normalised charges in the Investment Bank and US Consumer Bank. The loan loss rate (LLR) was 43bps (Q325: 57bps) Q326 Business Performance Highlights • Barclays UK RoTE was broadly stable at 21.2% (Q325: 21.8%) as income increased 4%, driven by higher structural hedge income supported by stable deposits, offset by costs increasing 6% driven by £110m SCAs taken in Q326 • Barclays UK Corporate Bank (UKCB) RoTE increased to 23.5% (Q325: 22.8%) as income increased 10%, reflecting higher structural hedge income and higher average deposit and lending balances, partially offset by a cost increase of 10%, given the non-repeat of Q325 UK regulatory levies credit • Barclays Private Bank and Wealth Management (PBWM) RoTE decreased to 23.8% (Q325: 26.4%). Income growth was 10%, reflecting 6% higher client asset and liabilities balances year-on-year. Costs increased 18% reflecting ongoing investments in the wealth proposition • Barclays Investment Bank (IB) RoTE decreased to 9.5% (Q325: 10.1%). Income growth of 1% and lower impairment charge were more than offset by a 4% increase in costs including £57m Q326 SCAs and £55m MRT compensation mix, and higher average allocated tangible equity • Barclays US Consumer Bank (USCB) RoTE decreased to 10.9% (Q325: 13.5%) reflecting broadly stable income and 14% higher costs reflecting the Best Egg acquisition (Q326 first full quarter of Best Egg costs) Performance Highlights Barclays PLC 3
Slide 5 — Performance Highlights
Group financial targets and guidance1: 2026 • Returns: Group RoTE of greater than 12% • Capital returns2: plan to return at least £10bn of capital to shareholders between 2024 and 2026, through dividends and share buybacks, with a continued preference for buybacks – Progressive increase in total capital returns versus 2025 – Share buybacks announced quarterly – Dividends to be paid semi-annually, including planned £2bn dividend for 2026 • Income: Group total income of c.£31.5bn – Group NII excluding IB and Head Office greater than £13.7bn and Barclays UK NII around the middle of the £8.1bn - £8.3bn guided range • Costs: Group cost: income ratio of high 50s in percentage terms and total costs of c.£18.5bn – Run-rate costs in 2026 of c.£18.0bn which exclude additional SCAs of c.£0.3bn above normal annual run-rate, c.£0.1bn MRT compensation mix adjustments and c.£0.1bn Motor Finance provision booked in Q126 • Impairment: expect Group LLR to be around the top of the 50-60bps through the cycle range • Capital: CET1 ratio target range of 13-14% – IB RWAs mid 50s% of Group RWAs – Impact of regulatory change on RWAs in line with our prior guidance of c.£19-26bn – c.£8-15bn RWAs from Basel 3.1, with implementation expected from 1 January 20273 – Expect Pillar 2A CET1 requirement to reduce by 59bps upon implementation, reducing MDA to 11.6% – c.£11bn RWAs from USCB moving to an Internal Ratings Based (IRB) model, subject to portfolio changes and regulatory approval, expected in H2 2027 – Expect minimal change in Pillar 2A requirement upon model implementation 2027 • Costs: Group costs of c.£18.4bn and Barclays UK cost: income ratio of high 40s% 2028 • Returns: Group RoTE of greater than 14% • Capital returns2: plan to return greater than £15bn of capital to shareholders between 2026 and 2028, through dividends and share buybacks. This provides capacity for additional investment and growth, exceeding the level of investment in the current plan • Income: greater than 5% compound annual growth rate (CAGR) 2025-2028 • Costs: Group cost: income ratio of low 50s in percentage terms. Cost target includes total gross efficiency savings of greater than £2bn in 2026-2028 • Impairment: expect Group LLR of 50-60bps through the cycle • Capital: CET1 ratio target range of 13-14% – IB RWAs of c.50% of Group RWAs 1 Targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and may be subject to change. 2 This multi-year plan is subject to supervisory and Board approvals, anticipated financial performance and our published CET1 ratio target range of 13-14%. 3 Fundamental review of the trading book (FRTB) impact mostly expected in 2027. Performance Highlights Barclays PLC 4
Slide 6 — Barclays Group results
Barclays Group results Nine months ended Three months ended 30.09.26 30.09.25 30.09.26 30.09.25 £m £m % Change £m £m % Change Barclays UK 6,866 6,446 7 2,349 2,253 4 Barclays UK Corporate Bank 1,661 1,525 9 573 522 10 Barclays Private Bank and Wealth Management 1,082 1,032 5 369 335 10 Barclays Investment Bank 11,115 10,263 8 3,129 3,083 1 Barclays US Consumer Bank 3,047 2,628 16 928 941 (1) Head Office 95 169 (44) 17 33 (48) Total income 23,866 22,063 8 7,365 7,167 3 Operating costs (13,438) (12,661) (6) (4,565) (4,254) (7) UK regulatory levies (95) (84) (13) (11) 12 - Litigation and conduct (92) (342) 73 16 (255) Total operating expenses (13,625) (13,087) (4) (4,560) (4,497) (1) Other net income 44 48 (8) 20 39 (49) Profit before impairment 10,285 9,024 14 2,825 2,709 4 Credit impairment charges (1,897) (1,744) (9) (503) (632) 20 Profit before tax 8,388 7,280 15 2,322 2,077 12 Tax charge (1,791) (1,538) (16) (422) (365) (16) Profit after tax 6,597 5,742 15 1,900 1,712 11 Non-controlling interests (19) (23) 17 — — #DIV/0! Other equity instrument holders (741) (739) — (254) (255) — Attributable profit 5,837 4,980 17 1,646 1,457 13 Performance measures Return on average tangible shareholders' equity 13.8% 12.3% 11.7% 10.6% Average tangible shareholders' equity (£bn) 56.6 54.0 56.4 55.1 Cost: income ratio 57% 59% 62% 63% Loan loss rate (bps) 55 53 43 57 Basic earnings per ordinary share 43.0p 35.1p 23 12.3p 10.4p 18 Dividend per ordinary share 5.9p 3.0p Share buybacks announced (£m) 2,000 1,500 33 500 500 — Total payout equivalent per share c.20.7p c.13.6p 51 Basic weighted average number of shares (m) 13,571 14,189 (4) 13,426 14,045 (4) Period end number of shares (m) 13,379 13,996 (4) Period end tangible shareholders' equity (£bn) 54.8 54.9 Balance sheet and capital management1 30.09.26 31.12.25 30.09.25 £bn £bn £bn Gross loans and advances at amortised cost2 459.8 441.3 437.5 Loans and advances at amortised cost 454.5 430.0 426.5 Loans and advances at amortised cost impairment coverage ratio 1.2% 1.2% 1.2% Total assets 1,737.6 1,544.2 1,629.2 Deposits at amortised cost 599.3 585.6 575.3 Tangible net asset value per share 410p 409p 392p Common equity tier 1 ratio 14.2% 14.3% 14.1% Common equity tier 1 capital 52.4 51.1 50.3 Risk weighted assets 369.8 356.8 357.4 UK leverage ratio 4.9% 5.1% 4.9% UK leverage exposure 1,344.0 1,247.3 1,285.3 Funding and liquidity Group liquidity pool (£bn) 372.2 337.8 332.9 Liquidity coverage ratio 157.0% 170.0% 174.6% Net stable funding ratio 135.8% 135.2% 135.3% Loan: deposit ratio 76% 73% 74% Customer loan: deposit ratio3 64% 62% 62% 1 Refer to pages 39 to 43 for further information on how capital, RWAs and leverage are calculated. 2 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. 3 From Q326, the customer loan to deposit ratio has been introduced, calculated as loans and advances to customers at amortised cost divided by customer deposits at amortised cost, to improve comparability with peers. Performance Highlights Barclays PLC 5
Slide 7 — Group Finance Director's Review
Q326 YTD Group performance • Barclays delivered a profit before tax of £8,388m (Q325 YTD: £7,280m), RoTE of 13.8% (Q325 YTD: 12.3%) and EPS of 43.0p (Q325 YTD: 35.1p) • The Group has a diverse income profile across businesses and geographies. The 2% year-on-year appreciation of average GBP against USD negatively impacted income and profits, and positively impacted credit impairment charges and total operating expenses • Group income increased 8% to £23,866m, as continued structural hedge momentum, higher income in Global Markets and Investment Banking fees and the c.£225m gain from the sale of the American Airlines portfolio (AA portfolio), were partially offset by retail deposits dynamics and net losses on fair value lending and cost of hedging in the IB • Group total operating expenses increased to £13,625m (Q325 YTD: £13,087m) – Group operating costs increased 6% to £13,438m, reflecting business growth (including higher performance costs reflecting higher income), inflation, and further investment spend (including the Best Egg acquisition and higher SCAs), partially offset by c.£550m of cost efficiency savings and foreign exchange movements – Litigation and conduct charges of £92m (Q325 YTD: £342m) primarily reflected a £105m increase in the provision for the UK Financial Conduct Authority (FCA) motor finance redress scheme in Q126. Q325 YTD included a £235m charge for motor finance redress • Credit impairment charges increased to £1,897m (Q325 YTD: £1,744m), primarily driven by higher single name charges year-on-year in IB. Total coverage ratio remained stable at 1.2% (December 2025: 1.2%) • The effective tax rate (ETR) was 21.4% (Q325 YTD: 21.1%) • Attributable profit was £5,837m (Q325 YTD: £4,980m) • Total assets increased to £1,737.6bn (December 2025: £1,544.2bn) driven by higher trading activity in Global Markets, higher lending across the Group, and growth in the liquidity pool • Tangible net asset value (TNAV) per share was broadly stable at 410p (December 2025: 409p) as EPS of 43.0p was partially offset by a 24p reduction from the cash flow hedge reserve and a 15p net reduction from the impact of share buybacks and dividends paid during Q326 YTD Group capital and leverage • The CET1 ratio remained broadly stable at 14.2% (December 2025: 14.3%). Taking into account the impact of the £500m share buyback announced today, the CET1 ratio as of 30 September 2026 would be reduced to 14.0% • Excluding the marginal increase in the CET1 ratio from the Q226 USCB sale of the AA portfolio and acquisition of Best Egg, other significant movements were: – 150bps increase from attributable profit – 108bps decrease driven by shareholder distributions including the now completed £1.5bn total share buybacks announced with FY25 and Q126 results, the ongoing £1.0bn share buyback announced with Q226 results, and the accrual for the FY26 dividend – 58bps decrease due to a £14.9bn increase in RWAs, excluding the impact of foreign exchange movements, primarily driven by lending growth in UK businesses and higher activity in IB – A £0.2bn increase in CET1 capital due to an increase in the currency translation reserve was offset by a £1.3bn increase in RWAs as a result of foreign exchange movements • The UK leverage ratio decreased to 4.9% (December 2025: 5.1%) primarily driven by a £96.7bn increase in leverage exposure to £1,344.0bn (December 2025: £1,247.3bn), partially offset by a £1.8bn increase in Tier 1 capital. The increase in leverage exposure was driven by higher trading activity in Global Markets and increased lending across the Group Group funding and liquidity • The liquidity metrics remain above regulatory requirements, underpinned by well-diversified sources of funding, a stable global deposit franchise and a highly liquid balance sheet • The liquidity pool was £372.2bn, an increase of £34.3bn from December 2025. The increase in the liquidity pool was driven by deposit growth across businesses and increased wholesale funding • The average1 liquidity coverage ratio (LCR) was 157.0% (December 2025: 170.0%), equivalent to a surplus of £118.4bn (December 2025: £131.2bn) • Total deposits increased to £599.3bn (December 2025: £585.6bn), primarily driven by growth in the International Corporate Bank (ICB) • The average2 Net Stable Funding Ratio (NSFR) was 135.8% (December 2025: 135.2%), which represents a £173.5bn surplus (December 2025: £166.3bn) above the 100% regulatory requirement 1 Represents average of the last 12 spot month end ratios. 2 Represents average of the last four spot quarter end ratios. Group Finance Director's Review Barclays PLC 6
Slide 8 — Group Finance Director's Review
Group funding and liquidity (continued) • Wholesale funding outstanding, excluding repurchase agreements, was £229.5bn (December 2025: £220.1bn) • The Group issued £9.9bn equivalent of minimum requirement for own funds and eligible liabilities (MREL) instruments from Barclays PLC (the Parent company), completing the targeted 2026 MREL issuance plan within H126. The Group has a strong MREL position with a ratio of 35.2%, which is in excess of the regulatory requirement of 30.5% excluding any applicable confidential institution specific Prudential Regulation Authority (PRA) buffer. The Group remains above its minimum capital regulatory requirements and applicable buffers Other matters • Motor finance commission arrangements: In Q126, the FCA published its final rules for an industry-wide redress scheme for eligible motor finance customers where a commission was payable by the lender to the broker. Barclays holds a Motor Finance provision of £430m as at Q326 (H126: £430m). In Q326, the Upper Tribunal ordered a suspension of parts of the redress scheme following four legal challenges to the FCA’s final rules. The legal challenges are to be heard by the Upper Tribunal in Q127. These challenges will delay and may otherwise affect the implementation of the redress scheme although the FCA has indicated a willingness to consider how, despite such challenges, firms may be able to pay redress in line with its proposed scheme to certain cohorts of eligible customers in advance of the Upper Tribunal hearing. Barclays is considering this option, which would be within the scope of its existing provision estimate. Given the legal challenges, the legal and regulatory outcomes and the nature, extent and timing of any remediation action, remain uncertain • USCB changes in Q226: – American Airlines co-branded credit card portfolio exit: On 24 April 2026 Barclays exited its American Airlines co- branded credit card partnership, releasing £3.6bn of RWAs and generating a gain on sale of c.£225m – Best Egg acquisition: On 1 May 2026, Barclays completed the acquisition of Best Egg for c.£0.6bn1, comprising c.£0.5bn goodwill and intangibles, and c.£0.1bn of net financial assets. Best Egg is a leading US direct-to-consumer personal loan origination platform focused on prime borrowers • GoHenry acquisition: On 1 October 2026, Barclays Bank UK PLC completed the acquisition of GoHenry, a money management platform for children and young people in the UK. The transaction is expected to marginally reduce the Group's CET1 ratio • One Churchill Place: On 30 June 2026 Barclays announced it had acquired a 999-year leasehold interest in its global headquarters at One Churchill Place, London. The transaction secures Barclays’ control in its global headquarters, while providing greater certainty over long-term occupancy costs. The transaction values the acquired leasehold interest at £750m and is broadly neutral to the Group’s CET1 ratio and earnings Anna Cross, Group Finance Director 1 Subject to customary post-completion purchase price adjustments. Group Finance Director's Review Barclays PLC 7
Slide 9 — Barclays UK
Barclays UK Nine months ended Three months ended 30.09.26 30.09.25 30.09.26 30.09.25 Income statement information £m £m % Change £m £m % Change Net interest income 6,059 5,638 7 2,073 1,961 6 Net fee, commission and other income 807 808 — 276 292 (5) Total income 6,866 6,446 7 2,349 2,253 4 Operating costs (3,642) (3,472) (5) (1,274) (1,189) (7) UK regulatory levies (49) (44) (11) (5) (1) Litigation and conduct 8 (37) 8 (8) Total operating expenses (3,683) (3,553) (4) (1,271) (1,198) (6) Other net income — — — — — — Profit before impairment 3,183 2,893 10 1,078 1,055 2 Credit impairment charges (461) (339) (36) (123) (102) (21) Profit before tax 2,722 2,554 7 955 953 — Attributable profit 1,880 1,737 8 666 647 3 Performance measures Return on average allocated tangible equity 20.4% 19.6% 21.2% 21.8% Average allocated tangible equity (£bn) 12.3 11.8 12.6 11.9 Cost: income ratio 54% 55% 54% 53% Loan loss rate (bps) 25 20 20 18 Net interest margin 3.70% 3.59% 3.69% 3.68% As at 30.09.26 As at 31.12.25 As at 30.09.25 Balance sheet information £bn £bn £bn Gross loans and advances at amortised cost1 243.3 231.9 230.9 Loans and advances to customers at amortised cost 225.3 216.5 213.4 Total assets 306.6 299.6 300.2 Customer deposits at amortised cost 246.1 244.6 241.5 Loan: deposit ratio 98% 94% 95% Customer loan: deposit ratio2 92% 89% 88% Risk weighted assets 90.6 85.8 86.7 Period end allocated tangible equity 12.6 11.8 11.9 1 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. 2 From Q326, the customer loan to deposit ratio has been introduced, calculated as loans and advances to customers at amortised cost divided by customer deposits at amortised cost, to improve comparability with peers. Results by Business Barclays PLC 8
Slide 10 — Results by Business
Analysis of Barclays UK Nine months ended Three months ended 30.09.26 30.09.25 30.09.26 30.09.25 Analysis of total income £m £m % Change £m £m % Change Retail Banking 5,221 4,880 7 1,785 1,708 5 Business Banking 1,645 1,566 5 564 545 3 Total income 6,866 6,446 7 2,349 2,253 4 Analysis of credit impairment (charges)/releases Retail Banking (479) (302) (59) (135) (98) (38) Business Banking 18 (37) 12 (4) Total credit impairment charges (461) (339) (36) (123) (102) (21) As at 30.09.26 As at 31.12.25 As at 30.09.25 Analysis of loans and advances to customers at amortised cost £bn £bn £bn Retail Banking 207.7 198.6 195.2 Business Banking 17.6 17.9 18.2 Total loans and advances to customers at amortised cost 225.3 216.5 213.4 Analysis of customer deposits at amortised cost Retail Banking 195.2 192.7 189.3 Business Banking 50.9 51.9 52.2 Total customer deposits at amortised cost 246.1 244.6 241.5 Results by Business Barclays PLC 9
Slide 11 — Results by Business
Barclays UK UK retail banking division, trusted by over 20 million customers. Includes Business Banking, serving small-to-medium sized enterprises (SMEs) with less than £6.5m in annual revenue. Key business updates include: • Completed the acquisition of GoHenry on 1 October 2026, extending our ability to support children, young people and families through money management and financial education services • Launched the new Barclays Mobile Banking app in Q326, providing a more personalised digital banking experience and supporting customers across a broad range of banking needs Barclays UK delivered a RoTE of 20.4% (Q325 YTD: 19.6%) supported by stability of deposits delivering robust income, and underpinned by strong asset quality. Income statement - Q326 YTD compared to Q325 YTD • Profit before tax increased 7% to £2,722m • Total income increased 7% to £6,866m. NII increased 7% to £6,059m, as higher structural hedge income and lending growth was partially offset by retail deposit dynamics and mortgage margin compression. Net fee, commission and other income remained stable at £807m • Total operating expenses increased 4% to £3,683m, driven by £158m SCAs taken year-to-date and inflation. Ongoing efficiency savings continue to be reinvested, to drive sustainable improvement to the cost: income ratio • Credit impairment charges were £461m (Q325 YTD: £339m), reflecting stable underlying credit performance. Total charges are higher than those in Q325 YTD, which benefitted from a recalibration adjustment in the Retail credit cards portfolio to reflect resilient customer behaviour. Retail credit cards 30 and 90 day arrears rates were 0.9% (Q325: 0.7%) and 0.3% (Q325: 0.2%) respectively. The Retail credit cards total coverage ratio was 4.3% (December 2025: 4.3%) Balance sheet - 30 September 2026 compared to 31 December 2025 • Loans and advances to customers at amortised cost increased £8.8bn to £225.3bn, primarily driven by growth in mortgages, partially offset by the impact of securitisations • Customer deposits at amortised cost increased by £1.5bn to £246.1bn, driven by an increase in Retail Banking deposits. The customer loan: deposit ratio1 increased to 92% (December 2025: 89%) • RWAs increased to £90.6bn (December 2025: £85.8bn), primarily due to growth in mortgages, partially offset by the securitisation of credit risk assets 1 From Q326, the customer loan to deposit ratio has been introduced, calculated as loans and advances to customers at amortised cost divided by customer deposits at amortised cost, to improve comparability with peers. Results by Business Barclays PLC 10
Slide 12 — Barclays UK Corporate Bank
Barclays UK Corporate Bank Nine months ended Three months ended 30.09.26 30.09.25 30.09.26 30.09.25 Income statement information £m £m % Change £m £m % Change Net interest income 1,244 1,084 15 437 383 14 Net fee, commission and other income 417 441 (5) 136 139 (2) Total income 1,661 1,525 9 573 522 10 Operating costs (744) (717) (4) (256) (243) (5) UK regulatory levies (17) (15) (13) (2) 9 Litigation and conduct — (39) — — Total operating expenses (761) (771) 1 (258) (234) (10) Other net income — — — — — — Profit before impairment 900 754 19 315 288 9 Credit impairment charges (21) (36) 42 (2) (5) 60 Profit before tax 879 718 22 313 283 11 Attributable profit 606 480 26 218 196 11 Performance measures Return on average allocated tangible equity 21.6% 18.8% 23.5% 22.8% Average allocated tangible equity (£bn) 3.7 3.4 3.7 3.4 Cost: income ratio 46% 51% 45% 45% Loan loss rate (bps) 8 16 2 7 As at 30.09.26 As at 31.12.25 As at 30.09.25 Balance sheet information £bn £bn £bn Gross loans and advances at amortised cost1 33.2 30.2 29.2 Loans and advances to customers at amortised cost 33.0 30.0 29.0 Deposits at amortised cost 87.2 88.7 86.7 Customer loan: deposit ratio2 38% 34% 33% Risk weighted assets 27.5 26.5 25.2 Period end allocated tangible equity 3.8 3.7 3.4 Nine months ended Three months ended 30.09.26 30.09.25 30.09.26 30.09.25 Analysis of total income £m £m % Change £m £m % Change Corporate lending 276 260 6 91 90 1 Transaction banking 1,385 1,265 9 482 432 12 Total income 1,661 1,525 9 573 522 10 1 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. 2 From Q326, the customer loan to deposit ratio has been introduced, calculated as loans and advances to customers at amortised cost divided by customer deposits at amortised cost, to improve comparability with peers. Results by Business Barclays PLC 11
Slide 13 — Results by Business
Barclays UK Corporate Bank UKCB offers corporate lending and transaction banking services to clients with annual revenue greater than £6.5m through to FTSE 350 companies. Trusted banking partner to approximately 13,000 clients1 with an average client relationship of 19 years1. Key business updates include: • Completed the roll out of iPortal to all clients, providing easier access to Barclays' banking services through a single digital platform. Adoption reached c.45%, and is expected to reach 100% by year-end, supporting broader use of Barclays' lending, transaction banking and risk management services UKCB delivered a RoTE of 21.6% (Q325 YTD: 18.8%), reflecting increased income from higher average deposit and lending balances, and positive operating jaws. Income statement - Q326 YTD compared to Q325 YTD • Profit before tax increased 22% to £879m • Total income increased 9% to £1,661m, NII increased 15% to £1,244m, driven by structural hedge income benefit, and higher average deposit and lending balances. Net fee, commission and other income decreased 5% to £417m, driven by lower liquidity pool income • Total operating expenses decreased 1% to £761m, reflecting the non-repeat of prior year litigation and conduct charges, partially offset by higher investment spend to support business growth and efficiency strategy, with ongoing efficiency savings offsetting inflationary headwinds • Credit impairment charges were £21m (Q325 YTD: £36m), reflecting stable underlying credit performance Balance sheet - 30 September 2026 compared to 31 December 2025 • Loans and advances to customers at amortised cost increased to £33.0bn (December 2025: £30.0bn), reflecting continued execution of our lending growth strategy • Deposits at amortised cost decreased to £87.2bn (December 2025: £88.7bn), largely reflecting corporate liquidity environment • RWAs increased to £27.5bn (December 2025: £26.5bn), reflecting higher client lending limits and growth in lending balances 1 As at 31st August 2026 Results by Business Barclays PLC 12
Slide 14 — Barclays Private Bank and Wealth
Barclays Private Bank and Wealth Management Nine months ended Three months ended 30.09.26 30.09.25 30.09.26 30.09.25 Income statement information £m £m % Change £m £m % Change Net interest income 643 597 8 223 190 17 Net fee, commission and other income 439 435 1 146 145 1 Total income 1,082 1,032 5 369 335 10 Operating costs (810) (715) (13) (289) (243) (19) UK regulatory levies (4) (3) (33) (1) (1) Litigation and conduct 4 1 4 1 Total operating expenses (810) (717) (13) (286) (243) (18) Other net income — — — — — — Profit before impairment 272 315 (14) 83 92 (10) Credit impairment (charges)/ releases (8) 10 (5) (1) Profit before tax 264 325 (19) 78 91 (14) Attributable profit 216 256 (16) 68 72 (6) Performance measures Return on average allocated tangible equity 25.4% 30.9% 23.8% 26.4% Average allocated tangible equity (£bn) 1.1 1.1 1.1 1.1 Cost: income ratio 75% 69% 78% 73% Loan loss rate (bps) 7 (9) 12 3 Key facts £bn £bn £bn £bn Net new assets under management1 2.5 2.6 0.6 0.7 As at 30.09.26 As at 31.12.25 As at 30.09.25 Balance sheet information £bn £bn £bn Gross loans and advances at amortised cost2 16.4 15.1 15.2 Loans and advances to customers at amortised cost 16.1 14.7 14.9 Deposits at amortised cost 74.4 72.0 70.6 Risk weighted assets 8.1 8.0 7.9 Period end allocated tangible equity 1.1 1.1 1.1 Invested assets3 143.2 140.6 135.7 Of which: Assets under management1 56.5 52.9 51.3 Assets under supervision1 86.7 87.7 84.4 Client assets and liabilities4 234.0 227.6 221.5 1 Refer to page 47 for further information on net new assets under management, assets under management and assets under supervision. 2 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. 3 Invested assets (held off-balance sheet) represent assets under management and supervision. Uninvested cash held under an investment mandate and reported within deposits is excluded from invested assets. 4 Client assets and liabilities refers to deposits, lending and invested assets. Results by Business Barclays PLC 13
Slide 15 — Results by Business
Barclays Private Bank and Wealth Management Serving clients across the UK wealth continuum and internationally in the wealth corridors between the UK, Europe, Middle East and Asia through an established brand with a full private bank offering. Key business updates include: • Launched booking centre in Singapore in Q326, combining local booking capabilities with access to Barclays’ global offering across private banking, lending, investments and wealth planning • Launched Planning and Advice service and removed Direct Investing customer fees in Q226, reflecting continued focus on enhancing client offering and supporting long-term growth PBWM delivered a RoTE of 25.4% (Q325 YTD: 30.9%), reflecting higher costs from ongoing investment to support future growth and efficiency strategy, and a higher impairment charge. Income statement - Q326 YTD compared to Q325 YTD • Profit before tax decreased 19% to £264m • Total income increased 5% to £1,082m, driven by higher NII from growth in deposit balances, partially offset by deposit mix, and higher net fee, commission and other income from growth in assets under management and client transactional activity • Total operating expenses increased 13% to £810m, reflecting ongoing investment to support business growth and efficiency strategy, and inflationary headwinds, partially offset by efficiency savings Balance sheet - 30 September 2026 compared to 31 December 2025 • Client assets and liabilities increased £6.4bn to £234.0bn, driven by net new inflow of deposits, loans and invested assets and market movements, partly offset by adverse foreign exchange impact • RWAs were stable at £8.1bn (December 2025: £8.0bn) Results by Business Barclays PLC 14
Slide 16 — Barclays Investment Bank
Barclays Investment Bank Nine months ended Three months ended 30.09.26 30.09.25 30.09.26 30.09.25 Income statement information £m £m % Change £m £m % Change Net interest income 1,187 978 21 393 347 13 Net trading income 6,209 5,903 5 1,580 1,581 — Net fee, commission and other income 3,719 3,382 10 1,156 1,155 — Total income 11,115 10,263 8 3,129 3,083 1 Operating costs (6,389) (6,003) (6) (2,083) (2,010) (4) UK regulatory levies (25) (22) (14) (3) 5 Litigation and conduct 2 (20) — (9) Total operating expenses (6,412) (6,045) (6) (2,086) (2,014) (4) Other net income — — — — — — Profit before impairment 4,703 4,218 11 1,043 1,069 (2) Credit impairment charges (356) (283) (26) (33) (144) 77 Profit before tax 4,347 3,935 10 1,010 925 9 Attributable profit 3,035 2,798 8 720 723 — Performance measures Return on average allocated tangible equity 13.5% 12.9% 9.5% 10.1% Average allocated tangible equity (£bn) 30.0 29.0 30.4 28.6 Income over average risk weighted assets 7.3% 6.9% 6.1% 6.3% Cost: income ratio 58% 59% 67% 65% Loan loss rate (bps) 34 29 9 44 As at 30.09.26 As at 31.12.25 As at 30.09.25 Balance sheet information £bn £bn £bn Gross loans and advances at amortised cost1 139.6 131.0 129.8 Loans and advances to customers at amortised cost 76.4 70.0 68.6 Loans and advances to banks at amortised cost 9.7 7.4 7.5 Debt securities at amortised cost 52.8 52.9 53.0 Loans and advances at amortised cost 138.9 130.3 129.1 Trading portfolio assets 212.8 189.5 191.3 Financial assets at fair value through the income statement 198.7 183.6 263.8 Derivative financial instrument assets 308.0 251.5 222.8 Cash collateral and settlement balances 172.2 121.6 152.1 Deposits at amortised cost 166.4 156.1 152.8 Derivative financial instrument liabilities 298.2 240.6 252.0 Risk weighted assets 206.1 196.7 199.1 Period end allocated tangible equity 30.1 28.9 29.1 Nine months ended Three months ended 30.09.26 30.09.25 30.09.26 30.09.25 Analysis of total income £m £m % Change £m £m % Change FICC 4,199 4,405 (5) 1,012 1,256 (19) Equities 3,387 2,522 34 1,010 689 47 Global Markets 7,586 6,927 10 2,022 1,945 4 Advisory 665 462 44 222 196 13 Equity capital markets 336 222 51 87 71 23 Debt capital markets 1,156 1,174 (2) 347 379 (8) Banking fees and underwriting 2,157 1,858 16 656 646 2 Corporate lending 40 220 (82) (13) 68 Transaction banking 1,332 1,258 6 464 424 9 International Corporate Bank 1,372 1,478 (7) 451 492 (8) Investment Banking 3,529 3,336 6 1,107 1,138 (3) Total income 11,115 10,263 8 3,129 3,083 1 1 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. Results by Business Barclays PLC 15
Slide 17 — Results by Business
Barclays Investment Bank Leading Global Markets business and Investment Banking franchises operating at scale in the UK and US, including the International Corporate Bank (FTSE 350 clients and larger). Global Markets represents around two-thirds of the total Investment Bank income, while Investment Banking generates around two-thirds of fees in the US. IB delivered a RoTE of 13.5% (Q325 YTD: 12.9%), driven by higher Global Markets income, Investment Banking fees and underwriting income, whilst maintaining cost and capital discipline, driving positive operating jaws and improved RWA productivity. Income statement - Q326 YTD compared to Q325 YTD • Profit before tax increased to £4,347m (Q325 YTD: £3,935m) • IB has a diverse income profile across businesses and geographies. The 2% appreciation of average GBP against USD adversely impacted income and profits, and positively impacted credit impairment charges and total operating expenses • Total income increased 8% to £11,115m, including the adverse impact of strengthening average GBP against USD – Global Markets income increased 10% to £7,586m, driven by increased income in Equities – FICC income was 5% lower at £4,199m, versus a strong prior year performance, reflecting lower client activity in rates and credit in the second half of Q326, and further adversity in September due to the macroeconomic environment – Equities income increased 34% to £3,387m, reflecting strategic growth in Prime Financing balances, and Equity Derivatives – Investment Banking income increased 6% to £3,529m – Banking fees and underwriting income increased 16% to £2,157m, primarily driven by Advisory and Equity Capital Markets, up 44% and 51% respectively, partially offset by Debt Capital Markets – ICB income decreased 7% to £1,372m. Transaction banking income increased 6% to £1,332m, as higher income from growth in deposit balances was partially offset by margin compression due to change in deposits product mix. Corporate lending income decreased to £40m, due to net losses on fair value lending and cost of hedging (c.£170m)1 • Total operating expenses increased to £6,412m (Q325 YTD: £6,045m), driven by higher performance costs, including MRT adjustments and SCAs, partially offset by efficiency savings and the impact of strengthening average GBP against USD • Credit impairment charges were £356m (Q325 YTD: £283m), primarily driven by higher single name charges year-on- year Balance sheet - 30 September 2026 compared to 31 December 2025 • Loans and advances at amortised cost increased to £138.9bn (December 2025: £130.3bn), driven by increased lending across Global Markets and Banking • Trading portfolio assets increased to £212.8bn (December 2025: £189.5bn), driven by increased trading activity to facilitate client demand in Global Markets • Financial assets at fair value through the income statement increased to £198.7bn (December 2025: £183.6bn), driven by increased secured lending in Global Markets • Derivative financial instrument assets increased to £308.0bn (December 2025: £251.5bn) and liabilities increased to £298.2bn (December 2025: £240.6bn), reflecting an increase in client activity and mark-to-market in interest rate and equity derivatives • Deposits at amortised cost increased to £166.4bn (December 2025: £156.1bn), driven by growth in deposits primarily in ICB • RWAs increased to £206.1bn (December 2025: £196.7bn), mainly driven by higher activity in Global Markets (including seasonality), and Banking, reflecting additional RWAs to support deal activity, including in the UK 1 Q326 YTD included c.£105m of fair value losses on lending and cost of hedges. Q325 YTD included c.£65m of fair value gains on lending and cost of hedging. Results by Business Barclays PLC 16
Slide 18 — Barclays US Consumer Bank
Barclays US Consumer Bank Nine months ended Three months ended 30.09.26 30.09.25 30.09.26 30.09.25 Income statement information £m £m % Change £m £m % Change Net interest income 2,304 2,044 13 749 726 3 Net fee, commission and other income 743 584 27 179 215 (17) Total income 3,047 2,628 16 928 941 (1) Operating costs (1,281) (1,210) (6) (459) (407) (13) UK regulatory levies — — — — — — Litigation and conduct (5) (3) (67) (3) — Total operating expenses (1,286) (1,213) (6) (462) (407) (14) Other net income — — — — — — Profit before impairment 1,761 1,415 24 466 534 (13) Credit impairment charges (1,053) (1,090) 3 (340) (379) 10 Profit before tax 708 325 126 155 (19) Attributable profit 521 246 92 118 (22) Performance measures Return on average allocated tangible equity1 19.9% 9.4% 10.9% 13.5% Average allocated tangible equity (£bn) 3.5 3.5 3.4 3.5 Cost: income ratio 42% 46% 50% 43% Loan loss rate (bps)2 552 489 529 505 Net interest margin 13.20% 10.96% 13.74 % 11.50% As at 30.09.26 As at 31.12.25 As at 30.09.25 Balance sheet information £bn £bn £bn Gross loans and advances at amortised cost3 25.5 30.6 29.8 Loans and advances to customers at amortised cost 22.3 21.1 20.0 Deposits at amortised cost 25.1 24.2 23.7 Risk weighted assets 24.3 27.4 25.8 Period end allocated tangible equity 3.3 3.8 3.5 1 Return on average allocated tangible equity, excluding a c.£225m Q226 gain on sale (recorded in Net fee, commission and other income), from the AA portfolio exit, was 13.6% for Q326 YTD, as a result of an adjusted attributable profit of £357m. 2 Q325 YTD and Q325 LLR include held for sale portfolios to remain consistent with the treatment of impairment. 3 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. Results by Business Barclays PLC 17
Slide 19 — Results by Business
Barclays US Consumer Bank A US co-branded credit card issuer and financial services partner to 23 million customers, with a direct-to-consumer loan origination platform in Best Egg and strong online retail deposit offering. Key business updates include: • Completed the American Airlines portfolio exit and the acquisition of Best Egg in Q226, strengthening our multi-product digital-only US Consumer Bank and increasing our ability to serve a wider range of customer borrowing needs • Announced a strategic partnership with Samsung in Q226 under which Barclays is the contracted provider for a range of financial products through Samsung's digital wallet ecosystem, extending access to customers through digital channels USCB delivered a RoTE of 19.9% (Q325 YTD: 9.4%), reflecting a c.£225m Q226 gain on sale from the AA portfolio exit, continued operational progress, with increased income from business growth, higher net interest margin and positive operating jaws. Excluding the gain on sale of c.£225m (resulting in an adjusted attributable profit of £357m), the Q326 YTD RoTE was 13.6%. Income statement - Q326 YTD compared to Q325 YTD • Profit before tax increased to £708m (Q325 YTD: £325m) • The 2% appreciation of average GBP against USD adversely impacted income and profits, and positively impacted credit impairment charges and total operating expenses • Total income increased 16% to £3,047m, including the adverse impact of the strengthening of average GBP against USD. NII increased 13% to £2,304m including business growth, repricing initiatives and change in portfolio mix. Net fee, commission and other income increased 27% to £743m driven by the gain on sale from the AA portfolio, and the Best Egg acquisition • Total operating expenses increased 6% to £1,286m, driven by the acquisitions of Best Egg and the GM portfolio, business growth and inflationary headwinds, partially offset by lower partner related expenses, ongoing efficiency savings and the strengthening of average GBP against USD • Credit impairment charges were £1,053m (Q325 YTD: £1,090m), reflecting broadly stable underlying credit performance, the impact from the Best Egg acquisition and other portfolio changes. US cards 30 and 90 day arrears rates were stable at 2.9% (Q325: 2.9%) and 1.5% (Q325: 1.5%) respectively. The USCB total coverage ratio was 10.8% (December 2025: 11.1%) Balance sheet - 30 September 2026 compared to 31 December 2025 • Loans and advances to customers at amortised cost were £22.3bn (December 2025: £21.1bn) • Deposits at amortised cost increased to £25.1bn (December 2025: £24.2bn), with growth in retail savings which is in line with USCB's strategy to grow core deposits • RWAs decreased to £24.3bn (December 2025: £27.4bn), driven by a net £3.2bn reduction relating to the AA portfolio sale and Best Egg acquisition . Results by Business Barclays PLC 18
Slide 20 — Head Office
Head Office Nine months ended Three months ended 30.09.26 30.09.25 30.09.26 30.09.25 Income statement information £m £m % Change £m £m % Change Net interest income 131 426 (69) 35 138 (75) Net fee, commission and other income (36) (257) 86 (18) (105) 83 Total income 95 169 (44) 17 33 (48) Operating costs (572) (544) (5) (204) (162) (26) UK regulatory levies — — #DIV/0! — — Litigation and conduct (101) (244) 59 7 (239) Total operating expenses (673) (788) 15 (197) (401) 51 Other net income 44 48 (8) 20 39 (49) Loss before impairment (534) (571) 6 (160) (329) 51 Credit impairment releases/(charges) 2 (6) — (1) Loss before tax (532) (577) 8 (160) (330) 52 Attributable loss (421) (537) 22 (118) (299) 61 Performance measures Average allocated tangible equity (£bn) 6.0 5.3 5.1 6.6 As at 30.09.26 As at 31.12.25 As at 30.09.25 Balance sheet information £bn £bn £bn Risk weighted assets 13.2 12.3 12.7 Period end allocated tangible equity 4.0 7.5 5.8 Income statement - Q326 YTD compared to Q325 YTD • Loss before tax was £532m (Q325 YTD: £577m) • Total income decreased to £95m (Q325 YTD: £169m), driven by hedge accounting, including a c.£30m loss in Q326, and the impact of the disposal of the German consumer finance business in Q125 • Total operating expenses decreased to £673m (Q325 YTD: £788m), given Q326 YTD included a £105m charge for FCA motor finance redress. Q325 YTD included a £235m charge for FCA motor finance redress Balance sheet - 30 September 2026 compared to 31 December 2025 • RWAs increased to £13.2bn (December 2025: £12.3bn), including the net impact of the acquisition of the long-term leasehold interest in One Churchill Place Results by Business Barclays PLC 19
Slide 21 — Barclays Group
Barclays Group Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 Income statement information £m £m £m £m £m £m £m £m Net interest income 3,910 3,921 3,737 3,734 3,745 3,505 3,517 3,500 Net fee, commission and other income 3,455 4,417 4,426 3,343 3,422 3,682 4,192 3,464 Total income 7,365 8,338 8,163 7,077 7,167 7,187 7,709 6,964 Operating costs (4,565) (4,514) (4,359) (4,379) (4,254) (4,149) (4,258) (4,244) UK regulatory levies (11) — (84) (229) 12 — (96) (227) Litigation and conduct 16 (4) (104) (50) (255) (76) (11) (121) Total operating expenses (4,560) (4,518) (4,547) (4,658) (4,497) (4,225) (4,365) (4,592) Other net income/(expenses) 20 3 21 (25) 39 (9) 18 — Profit before impairment 2,825 3,823 3,637 2,394 2,709 2,953 3,362 2,372 Credit impairment charges (503) (571) (823) (535) (632) (469) (643) (711) Profit before tax 2,322 3,252 2,814 1,859 2,077 2,484 2,719 1,661 Tax charges (422) (731) (638) (388) (365) (552) (621) (448) Profit after tax 1,900 2,521 2,176 1,471 1,712 1,932 2,098 1,213 Non-controlling interests — (19) — (18) — (21) (2) (20) Other equity instrument holders (254) (243) (244) (258) (255) (252) (232) (228) Attributable profit 1,646 2,259 1,932 1,195 1,457 1,659 1,864 965 Performance measures Return on average tangible shareholders' equity 11.7% 16.1% 13.5% 8.5% 10.6% 12.3% 14.0% 7.5% Average tangible shareholders' equity (£bn) 56.4 56.1 57.2 56.5 55.1 53.9 53.1 51.5 Cost: income ratio 62% 54% 56% 66% 63% 59% 57% 66% Loan loss rate (bps) 43 51 74 48 57 44 61 66 Basic earnings per ordinary share 12.3p 16.7p 14.1p 8.6p 10.4p 11.7p 13.0p 6.7p Basic weighted average number of shares (m) 13,426 13,565 13,727 13,883 14,045 14,211 14,314 14,432 Period end number of shares (m) 13,379 13,507 13,737 13,867 13,996 14,180 14,336 14,420 Period end tangible shareholders' equity (£bn) 54.8 57.2 55.6 56.8 54.9 54.5 53.4 51.5 Balance sheet and capital management1 £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances at amortised cost2 459.8 450.4 449.9 441.3 437.5 428.4 430.4 429.6 Loans and advances to customers at amortised cost 373.1 359.3 358.3 352.8 346.4 339.2 338.6 337.9 Loans and advances to banks at amortised cost 10.5 12.0 12.0 8.7 9.4 8.7 9.4 8.3 Debt securities at amortised cost 70.8 73.5 68.3 68.5 70.7 69.9 71.4 68.2 Loans and advances at amortised cost 454.5 444.8 438.6 430.0 426.5 417.8 419.4 414.5 Loans and advances at amortised cost impairment coverage ratio 1.2% 1.2% 1.3% 1.2% 1.2% 1.2% 1.2% 1.2% Total assets 1,737.6 1,730.4 1,694.8 1,544.2 1,629.2 1,598.7 1,593.5 1,518.2 Deposits at amortised cost 599.3 594.4 587.6 585.6 575.3 564.5 574.3 560.7 Tangible net asset value per share 410p 423p 405p 409p 392p 384p 372p 357p Common equity tier 1 ratio 14.2% 14.3% 14.1% 14.3% 14.1% 14.0% 13.9% 13.6% Common equity tier 1 capital 52.4 52.2 51.2 51.1 50.3 49.5 48.8 48.6 Risk weighted assets 369.8 364.8 364.5 356.8 357.4 353.0 351.3 358.1 UK leverage ratio 4.9% 4.9% 4.8% 5.1% 4.9% 5.0% 5.0% 5.0% UK leverage exposure 1,344.0 1,345.6 1,321.3 1,247.3 1,285.3 1,259.8 1,252.8 1,206.5 Funding and liquidity Group liquidity pool (£bn) 372.2 346.7 326.1 337.8 332.9 333.7 336.3 296.9 Liquidity coverage ratio3 157.0% 157.7% 165.4% 170.0% 174.6% 177.7% 175.3% 172.4% Net stable funding ratio 135.8% 135.8% 135.4% 135.2% 135.3% 135.6% 136.2% 134.9% Loan: deposit ratio 76% 75% 75% 73% 74% 74% 73% 74% Customer loan: deposit ratio4 64% 63% 63% 62% 62% 62% 61% 62% 1 Refer to pages 39 to 43 for further information on how capital, RWAs and leverage are calculated. 2 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. 3 Represents average of the last 12 spot month end ratios. In June 2025, Barclays implemented a new methodology for calculating net stress outflows related to secured financing transactions in the LCR. 4 From Q326, the customer loan to deposit ratio has been introduced, calculated as customer loans divided by customer deposits, to provide a customer lending-focused funding metric and improve comparability with peers. Quarterly Results Summary Barclays PLC 20
Slide 22 — Barclays UK
Barclays UK Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q4241 Income statement information £m £m £m £m £m £m £m £m Net interest income 2,073 2,000 1,986 2,015 1,961 1,855 1,822 1,815 Net fee, commission and other income 276 259 272 247 292 264 252 800 Total income 2,349 2,259 2,258 2,262 2,253 2,119 2,074 2,615 Operating costs (1,274) (1,194) (1,174) (1,274) (1,189) (1,168) (1,115) (1,170) UK regulatory levies (5) — (44) (41) (1) — (43) (36) Litigation and conduct 8 (1) 1 (14) (8) (27) (2) (9) Total operating expenses (1,271) (1,195) (1,217) (1,329) (1,198) (1,195) (1,160) (1,215) Other net income — — — — — — — — Profit before impairment 1,078 1,064 1,041 933 1,055 924 914 1,400 Credit impairment charges (123) (160) (178) (74) (102) (79) (158) (283) Profit before tax 955 904 863 859 953 845 756 1,117 Attributable profit 666 623 591 706 647 580 510 781 Balance sheet information £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances at amortised cost2 243.3 239.8 233.6 231.9 230.9 228.5 227.5 227.5 Loans and advances to customers at amortised cost 225.3 220.8 217.8 216.5 213.4 211.2 209.6 207.7 Customer deposits at amortised cost 246.1 245.6 243.9 244.6 241.5 241.3 243.1 244.2 Loan: deposit ratio 98% 97% 95% 94% 95% 94% 93% 92% Customer loan: deposit ratio3 92% 90% 89% 89% 88% 87% 86% 85% Risk weighted assets 90.6 89.0 87.5 85.8 86.7 86.1 85.0 84.5 Period end allocated tangible equity 12.6 12.4 12.0 11.8 11.9 11.8 11.8 11.6 Performance measures Return on average allocated tangible equity 21.2% 20.4% 19.7% 23.8% 21.8% 19.7% 17.4% 28.0% Average allocated tangible equity (£bn) 12.6 12.2 12.0 11.9 11.9 11.8 11.7 11.2 Cost: income ratio 54% 53% 54% 59% 53% 56% 56% 46% Loan loss rate (bps) 20 27 31 13 18 14 28 49 Net interest margin 3.69% 3.68% 3.72% 3.72% 3.68% 3.55% 3.55% 3.53% 1 Q424 includes the day 1 impacts from the acquisition of Tesco Bank: total Income includes a £556m gain, and credit impairment charges includes a £209m charge. 2 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. 3 From Q326, the customer loan to deposit ratio has been introduced, calculated as customer loans divided by customer deposits, to provide a customer lending-focused funding metric and improve comparability with peers. Quarterly Results by Business Barclays PLC 21
Slide 23 — Analysis of Barclays UK
Analysis of Barclays UK Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q4241 Analysis of total income £m £m £m £m £m £m £m £m Retail Banking 1,785 1,711 1,725 1,702 1,708 1,599 1,573 2,078 Business Banking 564 548 533 560 545 520 501 537 Total income 2,349 2,259 2,258 2,262 2,253 2,119 2,074 2,615 Analysis of credit impairment (charges)/releases Retail Banking (135) (165) (179) (72) (98) (59) (145) (279) Business Banking 12 5 1 (2) (4) (20) (13) (4) Total credit impairment charges (123) (160) (178) (74) (102) (79) (158) (283) Analysis of loans and advances to customers at amortised cost £bn £bn £bn £bn £bn £bn £bn £bn Retail Banking 207.7 203.1 200.1 198.6 195.2 192.4 190.4 188.0 Business Banking 17.6 17.7 17.7 17.9 18.2 18.8 19.2 19.7 Total loans and advances to customers at amortised cost 225.3 220.8 217.8 216.5 213.4 211.2 209.6 207.7 Analysis of customer deposits at amortised cost Retail Banking 195.2 194.5 193.1 192.7 189.3 189.3 190.8 191.4 Business Banking 50.9 51.1 50.8 51.9 52.2 52.0 52.3 52.8 Total customer deposits at amortised cost 246.1 245.6 243.9 244.6 241.5 241.3 243.1 244.2 1 Q424 includes the day 1 impacts from the acquisition of Tesco Bank: total Income includes a £556m gain, and credit impairment charges includes a £209m charge. Quarterly Results by Business Barclays PLC 22
Slide 24 — Barclays UK Corporate Bank
Barclays UK Corporate Bank Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 Income statement information £m £m £m £m £m £m £m £m Net interest income 437 413 394 396 383 359 342 324 Net fee, commission and other income 136 145 136 143 139 160 142 134 Total income 573 558 530 539 522 519 484 458 Operating costs (256) (249) (239) (272) (243) (240) (234) (250) UK regulatory levies (2) — (15) (14) 9 — (24) (14) Litigation and conduct — — — — — (39) — (1) Total operating expenses (258) (249) (254) (286) (234) (279) (258) (265) Other net income — — — — — — — — Profit before impairment 315 309 276 253 288 240 226 193 Credit impairment charges (2) (16) (3) (1) (5) (12) (19) (40) Profit before tax 313 293 273 252 283 228 207 153 Attributable profit 218 201 187 168 196 142 142 98 Balance sheet information £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances at amortised cost1 33.2 31.4 31.0 30.2 29.2 28.2 27.0 25.8 Loans and advances to customers at amortised cost 33.0 31.3 30.8 30.0 29.0 27.9 26.7 25.4 Deposits at amortised cost 87.2 89.1 88.0 88.7 86.7 85.3 85.3 83.1 Customer loan: deposit ratio2 38% 35% 35% 34% 33% 33% 31% 31% Risk weighted assets 27.5 26.6 27.3 26.5 25.2 25.3 24.2 23.9 Period end allocated tangible equity 3.8 3.7 3.7 3.7 3.4 3.5 3.4 3.3 Performance measures Return on average allocated tangible equity 23.5% 21.3 % 19.9% 19.1% 22.8% 16.6% 17.1% 12.3% Average allocated tangible equity (£bn) 3.7 3.8 3.8 3.5 3.4 3.4 3.3 3.2 Cost: income ratio 45% 45% 48% 53% 45% 54% 53% 58% Loan loss rate (bps) 2 20 4 1 7 17 28 62 Analysis of total income £m £m £m £m £m £m £m £m Corporate lending 91 96 89 97 90 90 80 71 Transaction banking 482 462 441 442 432 429 404 387 Total income 573 558 530 539 522 519 484 458 1 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. 2 From Q326, the customer loan to deposit ratio has been introduced, calculated as customer loans divided by customer deposits, to provide a customer lending-focused funding metric and improve comparability with peers. Quarterly Results by Business Barclays PLC 23
Slide 25 — Barclays Private Bank and Wealth
Barclays Private Bank and Wealth Management Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 Income statement information £m £m £m £m £m £m £m £m Net interest income 223 216 204 202 190 203 204 216 Net fee, commission and other income 146 150 143 146 145 145 145 135 Total income 369 366 347 348 335 348 349 351 Operating costs (289) (267) (254) (279) (243) (238) (234) (255) UK regulatory levies (1) — (3) (7) (1) — (2) (7) Litigation and conduct 4 — — (10) 1 — — (1) Total operating expenses (286) (267) (257) (296) (243) (238) (236) (263) Other net income — — — — — — — — Profit before impairment 83 99 90 52 92 110 113 88 Credit impairment (charges)/releases (5) (5) 2 (2) (1) 2 9 (2) Profit before tax 78 94 92 50 91 112 122 86 Attributable profit 68 75 73 35 72 88 96 63 Balance sheet information £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances at amortised cost1 16.4 15.1 15.1 15.1 15.2 14.8 14.8 14.7 Loans and advances to customers at amortised cost 16.1 14.8 14.7 14.7 14.9 14.5 14.5 14.5 Deposits at amortised cost 74.4 72.7 73.3 72.0 70.6 66.7 73.1 69.5 Risk weighted assets 8.1 8.0 8.2 8.0 7.9 7.9 8.0 7.9 Period end allocated tangible equity 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 Client assets and liabilities2 234.0 230.2 223.8 227.6 221.5 213.4 212.4 208.9 Performance measures Return on average allocated tangible equity 23.8% 26.9 % 25.5 % 12.6 % 26.4% 31.9% 34.5% 23.9% Average allocated tangible equity (£bn) 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 Cost: income ratio 78% 73% 74% 85% 73% 68% 68% 75% Loan loss rate (bps) 12 13 (6) 5 3 (5) (25) 5 1 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. 2 Client assets and liabilities refers to deposits, lending and invested assets. Quarterly Results by Business Barclays PLC 24
Slide 26 — Barclays Investment Bank
Barclays Investment Bank Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 Income statement information £m £m £m £m £m £m £m £m Net interest income 393 411 383 356 347 334 297 284 Net trading income 1,580 2,271 2,358 1,294 1,581 1,906 2,416 1,262 Net fee, commission and other income 1,156 1,276 1,287 1,142 1,155 1,067 1,160 1,061 Total income 3,129 3,958 4,028 2,792 3,083 3,307 3,873 2,607 Operating costs (2,083) (2,199) (2,107) (1,924) (2,010) (1,932) (2,061) (1,903) UK regulatory levies (3) — (22) (159) 5 — (27) (161) Litigation and conduct — — 2 (8) (9) (8) (3) (26) Total operating expenses (2,086) (2,199) (2,127) (2,091) (2,014) (1,940) (2,091) (2,090) Other net income — — — — — — — — Profit before impairment 1,043 1,759 1,901 701 1,069 1,367 1,782 517 Credit impairment charges (33) (44) (279) (22) (144) (67) (72) (46) Profit before tax 1,010 1,715 1,622 679 925 1,300 1,710 471 Attributable profit 720 1,204 1,111 294 723 876 1,199 247 Balance sheet information £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances at amortised cost1 139.6 137.2 137.4 131.0 129.8 126.8 129.6 124.9 Loans and advances to customers at amortised cost 76.4 70.8 73.6 70.0 68.6 66.8 68.6 69.7 Loans and advances to banks at amortised cost 9.7 11.0 10.0 7.4 7.5 7.1 7.4 6.8 Debt securities at amortised cost 52.8 54.5 52.9 52.9 53.0 52.4 53.1 47.9 Loans and advances at amortised cost 138.9 136.3 136.5 130.3 129.1 126.3 129.1 124.4 Trading portfolio assets 212.8 208.2 189.3 189.5 191.3 186.1 185.5 166.1 Derivative financial instrument assets 308.0 302.6 285.4 251.5 263.8 279.0 253.6 291.6 Financial assets at fair value through the income statement 198.7 209.9 215.6 183.6 222.8 215.2 209.5 190.4 Cash collateral and settlement balances 172.2 182.5 189.2 121.6 152.1 145.0 148.8 111.1 Deposits at amortised cost 166.4 162.3 157.4 156.1 152.8 148.7 148.9 140.5 Derivative financial instrument liabilities 298.2 291.6 272.6 240.6 252.0 265.1 245.1 279.0 Risk weighted assets 206.1 204.1 201.7 196.7 199.1 196.4 195.9 198.8 Period end allocated tangible equity 30.1 30.1 29.6 28.9 29.1 28.7 28.9 29.3 Performance measures Return on average allocated tangible equity 9.5% 16.0% 15.0 % 4.0 % 10.1% 12.2% 16.2% 3.4% Average allocated tangible equity (£bn) 30.4 30.0 29.7 29.6 28.6 28.7 29.6 29.3 Income over average risk weighted assets 6.1% 7.7% 8.0% 5.5% 6.3% 6.7% 7.7% 5.2% Cost: income ratio 67% 56% 53% 75% 65% 59% 54% 80% Loan loss rate (bps) 9 13 82 7 44 21 23 15 Analysis of total income £m £m £m £m £m £m £m £m FICC 1,012 1,471 1,716 1,024 1,256 1,450 1,699 934 Equities 1,010 1,261 1,116 703 689 870 963 604 Global Markets 2,022 2,732 2,832 1,727 1,945 2,320 2,662 1,538 Advisory 222 188 255 214 196 123 143 189 Equity capital markets 87 157 92 56 71 81 70 98 Debt capital markets 347 402 407 336 379 364 431 327 Banking Fees and Underwriting 656 747 754 606 646 568 644 614 Corporate lending (13) 37 16 27 68 (4) 156 45 Transaction banking 464 442 426 432 424 423 411 410 International Corporate Banking 451 479 442 459 492 419 567 455 Investment Banking 1,107 1,226 1,196 1,065 1,138 987 1,211 1,069 Total income 3,129 3,958 4,028 2,792 3,083 3,307 3,873 2,607 1 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. Quarterly Results by Business Barclays PLC 25
Slide 27 — Barclays US Consumer Bank
Barclays US Consumer Bank Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 Income statement information £m £m £m £m £m £m £m £m Net interest income 749 732 823 776 726 640 678 678 Net fee, commission, trading and other income 179 404 160 277 215 183 186 179 Total income 928 1,136 983 1,053 941 823 864 857 Operating costs (459) (442) (380) (427) (407) (396) (407) (433) UK regulatory levies — — — — — — — — Litigation and conduct (3) (2) — (5) — — (3) — Total operating expenses (462) (444) (380) (432) (407) (396) (410) (433) Other net income — — — — — — — — Profit before impairment 466 692 603 621 534 427 454 424 Credit impairment charges (340) (346) (367) (431) (379) (312) (399) (298) Profit before tax 126 346 236 190 155 115 55 126 Attributable profit 92 253 176 144 118 87 41 94 Balance sheet information £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances at amortised cost1 25.5 25.0 30.3 30.6 29.8 27.4 28.9 30.0 Loans and advances to customers at amortised cost 22.3 21.7 21.0 21.1 20.0 18.2 18.8 20.0 Deposits at amortised cost 25.1 24.7 25.0 24.2 23.7 22.5 23.8 23.3 Risk weighted assets 24.3 24.3 27.6 27.4 25.8 24.7 25.6 26.8 Period end allocated tangible equity 3.3 3.4 3.8 3.8 3.5 3.4 3.5 3.7 Performance measures Return on average allocated tangible equity2 10.9% 30.2 % 18.8% 15.8% 13.5% 10.2% 4.5% 11.2% Average allocated tangible equity (£bn) 3.4 3.3 3.8 3.6 3.5 3.4 3.6 3.4 Cost: income ratio 50% 39% 39% 41% 43% 48% 47% 51% Loan loss rate (bps)3 529 555 491 558 505 456 562 395 Net interest margin 13.74% 13.20% 12.76% 11.63% 11.50% 10.83% 10.53% 10.66% 1 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. 2 Return on average allocated tangible equity, excluding a c.£225m Q226 gain on sale (recorded in Net fee, commission and other income) from the AA portfolio exit, was 10.5% for Q226, as a result of an adjusted attributable profit of £87m. 3 LLR includes held for sale portfolios to remain consistent with the treatment of impairment in Q424 to Q126. Quarterly Results by Business Barclays PLC 26
Slide 28 — Head Office
Head Office Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 Income statement information £m £m £m £m £m £m £m £m Net interest income 35 149 (53) (11) 138 114 174 183 Net fee, commission and other income (18) (88) 70 94 (105) (43) (109) (107) Total income 17 61 17 83 33 71 65 76 Operating costs (204) (163) (205) (203) (162) (175) (207) (233) UK regulatory levies — — — (8) — — — (9) Litigation and conduct 7 (1) (107) (13) (239) (2) (3) (84) Total operating expenses (197) (164) (312) (224) (401) (177) (210) (326) Other net income/(expenses) 20 3 21 (25) 39 (9) 18 — (Loss)/profit before impairment (160) (100) (274) (166) (329) (115) (127) (250) Credit impairment releases/(charges) — — 2 (5) (1) (1) (4) (42) Loss before tax (160) (100) (272) (171) (330) (116) (131) (292) Attributable loss (118) (97) (206) (152) (299) (114) (124) (318) Balance sheet information £bn £bn £bn £bn £bn £bn £bn £bn Risk weighted assets 13.2 12.7 12.3 12.3 12.7 12.6 12.7 16.2 Period end allocated tangible equity 4.0 6.5 5.4 7.5 5.8 5.9 4.7 2.4 Performance measures Average allocated tangible equity (£bn) 5.1 5.6 6.8 6.7 6.6 5.5 3.8 3.4 Quarterly Results by Business Barclays PLC 27
Slide 29 — Performance Management
Margins and balances Nine months ended 30.09.26 Nine months ended 30.09.25 Net interest income Average customer assets Net interest margin Net interest income Average customer assets Net interest margin £m £m % £m £m % Barclays UK 6,059 219,112 3.70 5,638 209,779 3.59 Barclays UK Corporate Bank 1,244 29,460 5.65 1,084 25,584 5.66 Barclays Private Bank and Wealth Management 643 15,193 5.66 597 14,735 5.42 Barclays US Consumer Bank 2,304 23,344 13.20 2,044 24,930 10.96 Group excluding IB and Head Office 10,250 287,109 4.77 9,363 275,028 4.55 Barclays Investment Bank 1,187 978 Head Office 131 426 Barclays Group Net interest income 11,568 10,767 The Group excluding IB and Head Office net interest margin increased by 22bps from 4.55% in Q325 to 4.77% in Q326 due to Group structural hedge income, partner reward updates and changes in portfolio mix in USCB. Quarterly analysis Q326 Q226 Q126 Q425 Q325 Net interest income £m £m £m £m £m Barclays UK 2,073 2,000 1,986 2,015 1,961 Barclays UK Corporate Bank 437 413 394 396 383 Barclays Private Bank and Wealth Management 223 216 204 202 190 Barclays US Consumer Bank 749 732 823 776 726 Group excluding IB and Head Office 3,482 3,361 3,407 3,389 3,260 Average customer assets £m £m £m £m £m Barclays UK 222,936 217,778 216,623 214,770 211,384 Barclays UK Corporate Bank 30,224 29,603 28,536 27,841 26,645 Barclays Private Bank and Wealth Management 15,620 14,936 15,022 15,105 14,802 Barclays US Consumer Bank 21,624 22,247 26,163 26,470 25,037 Group excluding IB and Head Office 290,404 284,564 286,344 284,186 277,868 Net interest margin % % % % % Barclays UK 3.69 3.68 3.72 3.72 3.68 Barclays UK Corporate Bank 5.74 5.60 5.60 5.64 5.70 Barclays Private Bank and Wealth Management 5.66 5.80 5.51 5.31 5.09 Barclays US Consumer Bank 13.74 13.20 12.76 11.63 11.50 Group excluding IB and Head Office 4.76 4.74 4.83 4.73 4.65 Performance Management Barclays PLC 28
Slide 30 — Performance Management
Structural hedge The Group employs a structural hedge programme designed to stabilise NIM on fixed rate non-maturity balance sheet items that are behaviourally stable. As interest rates move, such balances would otherwise drive material income volatility where there is a re-pricing mismatch with floating rate assets. The structural hedge predominantly covers non-interest-bearing current accounts and the fixed portion of instant access savings accounts as well as equity, which are invested into either floating rate customer assets or balances at central banks, creating an exposure to changes in interest rates. The structural hedge is executed primarily via a portfolio of receive-fixed, pay variable interest rate swaps, with an amortising structure so that a small portion matures and is reinvested each month at prevailing market rates. The pay-floating leg of the interest rate swaps nets down a proportion of the receive-floating income from the customer assets, leaving a receive-fixed income stream from the structural hedge. The purpose of the structural hedge is to smooth the Group NII through time. The floating leg of the swap will re-price immediately, whereas the fixed rate yield on the portfolio reprices gradually, as a portion of the swap portfolio matures and the roll is re-invested onto new market rates. When interest rates are higher than our structural hedge yield, the pay-floating rate will typically be higher than our average receive-fixed rate. In this scenario, when viewed in isolation, the structural hedge will be a net drag to Group NII. When floating rates are lower than our structural hedge yield, the hedge in isolation will be a net benefit. Since the receive-fixed swaps are booked for a specific term, an element of NII is ‘locked in’. The income stabilising feature of the structural hedge provides greater net interest income certainty through the interest rate cycle. The structural hedge is one component of a larger portfolio of interest rate risk management activities that includes non- structural hedging (e.g. pay-fixed and receive-variable flows for asset hedging), and other offsetting flows. The net risk of these positions is executed externally through interest rate swaps and managed for accounting risk (i.e. income volatility arising from the accounting mismatch of swaps at fair value through profit and loss and underlying hedged items at amortised cost) within the cash flow hedging reserve. Overall the Group has external derivatives designated as cash flow hedges that hedge interest rate risk with a notional of £122.2bn (December 2025: £114.6bn) which reflects the structural hedge derivatives notional of £240.6bn (December 2025: £236.1bn) netted with non-structural hedging positions of £118.4bn (December 2025: £121.5bn). The majority of these interest rate swaps are cleared with Central Clearing Counterparties and margined daily with an average structural hedge duration of c.3.5 years. Gross structural hedge contributions were £5,352m (September 2025: £4,313m). Gross structural hedge contributions primarily represent the absolute interest income earned on the fixed legs of the swaps in the structural hedge as the floating leg is offset by the base rate funding of the deposits. Performance Management Barclays PLC 29
Slide 31 — Credit Risk
Loans and advances at amortised cost by geography Total loans and advances at amortised cost in the credit risk section includes loans and advances at amortised cost to banks and loans and advances at amortised cost to customers. The table below presents a product and geographical breakdown of loans and advances at amortised cost and the impairment allowance by stage. The table also presents stage allocation of debt securities and off-balance sheet loan commitments and financial guarantee contracts. The impairment allowance under IFRS 9 considers both the drawn and the undrawn counterparty exposure. For retail portfolios, the total impairment allowance is allocated to gross loans and advances to the extent allowance does not exceed the drawn exposure and any excess is reported on the liabilities side of the balance sheet as a provision. For wholesale portfolios, impairment allowance on undrawn exposure is reported on the liability side of the balance sheet as a provision. . Gross exposure Impairment allowance Stage 1 Stage 2 Stage 35 Total Stage 1 Stage 2 Stage 3 Total As at 30.09.26 £m £m £m £m £m £m £m £m Retail mortgages 168,607 13,370 1,797 183,774 18 20 62 100 Retail credit cards 15,336 2,231 245 17,812 161 457 155 773 Retail other 9,209 1,705 223 11,137 106 183 181 470 Corporate loans1 56,882 6,394 1,624 64,900 93 170 549 812 Total UK 250,034 23,700 3,889 277,623 378 830 947 2,155 Retail mortgages 1,649 264 161 2,074 3 1 25 29 Retail credit cards 19,282 2,883 1,779 23,944 400 815 1,418 2,633 Retail other 4,219 350 70 4,639 16 8 18 42 Corporate loans 75,248 3,615 1,892 80,755 76 133 292 501 Total Rest of the World 100,398 7,112 3,902 111,412 495 957 1,753 3,205 Total loans and advances at amortised cost 350,432 30,812 7,791 389,035 873 1,787 2,700 5,360 Debt securities at amortised cost 69,553 1,255 — 70,808 11 10 — 21 Total loans and advances at amortised cost including debt securities 419,985 32,067 7,791 459,843 884 1,797 2,700 5,381 Off-balance sheet loan commitments and financial guarantee contracts2 403,993 16,478 1,166 421,637 155 225 33 413 Total3,4 823,978 48,545 8,957 881,480 1,039 2,022 2,733 5,794 Net exposure Coverage ratio Stage 1 Stage 2 Stage 35 Total Stage 1 Stage 2 Stage 3 Total As at 30.09.26 £m £m £m £m % % % % Retail mortgages 168,589 13,350 1,735 183,674 — 0.1 3.5 0.1 Retail credit cards 15,175 1,774 90 17,039 1.0 20.5 63.3 4.3 Retail other 9,103 1,522 42 10,667 1.2 10.7 81.2 4.2 Corporate loans1 56,789 6,224 1,075 64,088 0.2 2.7 33.8 1.3 Total UK 249,656 22,870 2,942 275,468 0.2 3.5 24.4 0.8 Retail mortgages 1,646 263 136 2,045 0.2 0.4 15.5 1.4 Retail credit cards 18,882 2,068 361 21,311 2.1 28.3 79.7 11.0 Retail other 4,203 342 52 4,597 0.4 2.3 25.7 0.9 Corporate loans 75,172 3,482 1,600 80,254 0.1 3.7 15.4 0.6 Total Rest of the World 99,903 6,155 2,149 108,207 0.5 13.5 44.9 2.9 Total loans and advances at amortised cost 349,559 29,025 5,091 383,675 0.2 5.8 34.7 1.4 Debt securities at amortised cost 69,542 1,245 — 70,787 — 0.8 — — Total loans and advances at amortised cost including debt securities 419,101 30,270 5,091 454,462 0.2 5.6 34.7 1.2 Off-balance sheet loan commitments and financial guarantee contracts2 403,838 16,253 1,133 421,224 — 1.4 2.8 0.1 Total3,4 822,939 46,523 6,224 875,686 0.1 4.2 30.5 0.7 1 Includes Business Banking, which has a gross exposure of £12.5bn and an impairment allowance of £280m. This comprises £34m impairment allowance on £10.1bn Stage 1 exposure, £59m on £1.7bn Stage 2 exposure and £187m on £0.7bn Stage 3 exposure. Excluding this, total coverage for corporate loans in UK is 1.0%. 2 Excludes loan commitments and financial guarantees of £37.7bn carried at fair value. 3 Excludes other financial assets subject to impairment comprising of cash collateral and settlement balances, reverse repurchase agreements and other similar secured lending, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £275.0bn and an impairment allowance of £149m. This comprises £20m impairment allowance on £274.6bn Stage 1 exposure, £8m on £0.4bn Stage 2 exposure and £121m on £128m Stage 3 exposure. 4 The annualised loan loss rate is 55bps after applying the total impairment charges of £1,897m. 5 Purchased or originated credit-impaired (POCI) balances are no longer presented following the sale of those balances as part of the Tesco debt sale completed in September 2026. The corresponding FY25 balances of £44m are included within Stage 3 exposure as at 31.12.25. Credit Risk Barclays PLC 30
Slide 32 — Credit Risk
Gross exposure Impairment allowance Stage 1 Stage 2 Stage 35 Total Stage 1 Stage 2 Stage 3 Total As at 31.12.25 £m £m £m £m £m £m £m £m Retail mortgages 159,825 13,757 1,836 175,418 15 16 60 91 Retail credit cards 14,922 1,943 303 17,168 171 398 174 743 Retail other 9,867 1,512 301 11,680 98 178 214 490 Corporate loans1 54,182 6,936 1,392 62,510 125 180 422 727 Total UK 238,796 24,148 3,832 266,776 409 772 870 2,051 Retail mortgages 1,829 72 131 2,032 2 — 24 26 Retail credit cards 18,801 2,536 1,776 23,113 395 796 1,395 2,586 Retail other 2,482 206 63 2,751 3 5 19 27 Corporate loans 66,671 3,702 1,767 72,140 82 135 382 599 Total Rest of the World 89,783 6,516 3,737 100,036 482 936 1,820 3,238 Total loans and advances at amortised cost 328,579 30,664 7,569 366,812 891 1,708 2,690 5,289 Debt securities at amortised cost 68,126 371 — 68,497 13 9 — 22 Total loans and advances at amortised cost including debt securities 396,705 31,035 7,569 435,309 904 1,717 2,690 5,311 Off-balance sheet loan commitments and financial guarantee contracts2 410,493 16,473 817 427,783 144 240 32 416 Total3,4 807,198 47,508 8,386 863,092 1,048 1,957 2,722 5,727 Net exposure Coverage ratio Stage 1 Stage 2 Stage 35 Total Stage 1 Stage 2 Stage 3 Total As at 31.12.25 £m £m £m £m % % % % Retail mortgages 159,810 13,741 1,776 175,327 — 0.1 3.3 0.1 Retail credit cards 14,751 1,545 129 16,425 1.1 20.5 57.4 4.3 Retail other 9,769 1,334 87 11,190 1.0 11.8 71.1 4.2 Corporate loans1 54,057 6,756 970 61,783 0.2 2.6 30.3 1.2 Total UK 238,387 23,376 2,962 264,725 0.2 3.2 22.7 0.8 Retail mortgages 1,827 72 107 2,006 0.1 — 18.3 1.3 Retail credit cards 18,406 1,740 381 20,527 2.1 31.4 78.5 11.2 Retail other 2,479 201 44 2,724 0.1 2.4 30.2 1.0 Corporate loans 66,589 3,567 1,385 71,541 0.1 3.6 21.6 0.8 Total Rest of the World 89,301 5,580 1,917 96,798 0.5 14.4 48.7 3.2 Total loans and advances at amortised cost 327,688 28,956 4,879 361,523 0.3 5.6 35.5 1.4 Debt securities at amortised cost 68,113 362 — 68,475 — 2.4 — — Total loans and advances at amortised cost including debt securities 395,801 29,318 4,879 429,998 0.2 5.5 35.5 1.2 Off-balance sheet loan commitments and financial guarantee contracts2 410,349 16,233 785 427,367 — 1.5 3.9 0.1 Total3,4 806,150 45,551 5,664 857,365 0.1 4.1 32.5 0.7 1 Includes Business Banking, which has a gross exposure of £12.4bn and an impairment allowance of £326m. This comprises £62m impairment allowance on £9.3bn Stage 1 exposure, £50m on £2.3bn Stage 2 exposure and £214m on £0.8bn Stage 3 exposure. Excluding this, total coverage for corporate loans in UK is 0.8%. 2 Excludes loan commitments and financial guarantees of £22.2bn carried at fair value and includes exposure relating to financial assets classified as assets held for sale. 3 Excludes other financial assets subject to impairment comprising of cash collateral and settlement balances, reverse repurchase agreements and other similar secured lending, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £224.1bn and an impairment allowance of £150m. This comprises £18m impairment allowance on £222.4bn Stage 1 exposure, £8m on £1.6bn Stage 2 exposure and £124m on £127m Stage 3 exposure. 4 The annualised loan loss rate is 52bps after applying the total impairment charges of £2,279m. 5 POCI balances are no longer presented following the sale of those balances as part of the Tesco debt sale completed in September 2026. The corresponding FY25 balances of £44m are included within Stage 3 exposure as at 31.12.25. Credit Risk Barclays PLC 31
Slide 33 — Credit Risk
Assets held for sale The prior period presents gross loans and advances and the related impairment allowance for the AA portfolio in USCB classified as assets held for sale in the condensed consolidated balance sheet. The sale of this portfolio was completed on 24 April 2026. Loans and advances by product Stage 1 Stage 2 Stage 3 Total Gross ECL Coverage Gross ECL Coverage Gross ECL Coverage Gross ECL Coverage As at 31.12.25 £m £m % £m £m % £m £m % £m £m % Retail credit cards - US 5,468 65 1.2 466 124 26.6 54 44 81.5 5,988 233 3.9 Corporate loans - US 43 1 2.3 6 2 33.3 — — — 49 3 6.1 Total Rest of the World 5,511 66 1.2 472 126 26.7 54 44 81.5 6,037 236 3.9 Credit Risk Barclays PLC 32
Slide 34 — Credit Risk
Loans and advances at amortised cost by product The table below presents loans and advances at amortised cost by product and stage, including Stage 2 past due balances. Stage 2 As at 30.09.26 Stage 1 Not past due <=30 days past due >30 days past due Total Stage 31 Total Gross exposure £m £m £m £m £m £m £m Retail mortgages 170,256 10,931 2,006 697 13,634 1,958 185,848 Retail credit cards 34,618 4,466 345 303 5,114 2,024 41,756 Retail other 13,428 1,782 191 82 2,055 293 15,776 Corporate loans 132,130 9,781 155 73 10,009 3,516 145,655 Total 350,432 26,960 2,697 1,155 30,812 7,791 389,035 Impairment allowance Retail mortgages 21 12 6 3 21 87 129 Retail credit cards 561 932 145 195 1,272 1,573 3,406 Retail other 122 124 33 34 191 199 512 Corporate loans 169 282 10 11 303 841 1,313 Total 873 1,350 194 243 1,787 2,700 5,360 Net exposure Retail mortgages 170,235 10,919 2,000 694 13,613 1,871 185,719 Retail credit cards 34,057 3,534 200 108 3,842 451 38,350 Retail other 13,306 1,658 158 48 1,864 94 15,264 Corporate loans 131,961 9,499 145 62 9,706 2,675 144,342 Total 349,559 25,610 2,503 912 29,025 5,091 383,675 Coverage ratio % % % % % % % Retail mortgages — 0.1 0.3 0.4 0.2 4.4 0.1 Retail credit cards 1.6 20.9 42.0 64.4 24.9 77.7 8.2 Retail other 0.9 7.0 17.3 41.5 9.3 67.9 3.2 Corporate loans 0.1 2.9 6.5 15.1 3.0 23.9 0.9 Total 0.2 5.0 7.2 21.0 5.8 34.7 1.4 As at 31.12.25 Gross exposure £m £m £m £m £m £m £m Retail mortgages 161,654 11,072 2,033 724 13,829 1,967 177,450 Retail credit cards 33,723 3,832 317 330 4,479 2,079 40,281 Retail other 12,349 1,398 207 113 1,718 364 14,431 Corporate loans 120,853 10,409 71 158 10,638 3,159 134,650 Total 328,579 26,711 2,628 1,325 30,664 7,569 366,812 Impairment allowance Retail mortgages 17 9 4 3 16 84 117 Retail credit cards 566 840 138 216 1,194 1,569 3,329 Retail other 101 126 28 29 183 233 517 Corporate loans 207 298 7 10 315 804 1,326 Total 891 1,273 177 258 1,708 2,690 5,289 Net exposure Retail mortgages 161,637 11,063 2,029 721 13,813 1,883 177,333 Retail credit cards 33,157 2,992 179 114 3,285 510 36,952 Retail other 12,248 1,272 179 84 1,535 131 13,914 Corporate loans 120,646 10,111 64 148 10,323 2,355 133,324 Total 327,688 25,438 2,451 1,067 28,956 4,879 361,523 Coverage ratio % % % % % % % Retail mortgages — 0.1 0.2 0.4 0.1 4.3 0.1 Retail credit cards 1.7 21.9 43.5 65.5 26.7 75.5 8.3 Retail other 0.8 9.0 13.5 25.7 10.7 64.0 3.6 Corporate loans 0.2 2.9 9.9 6.3 3.0 25.5 1.0 Total 0.3 4.8 6.7 19.5 5.6 35.5 1.4 1 POCI balances are no longer presented following the sale of those balances as part of the Tesco debt sale completed in September 2026. The corresponding FY25 balances of £44m are included within Stage 3 exposure as at 31.12.25. Credit Risk Barclays PLC 33
Slide 35 — Credit Risk
Measurement uncertainty Scenarios used to calculate the Group’s modelled ECL charge were refreshed in Q326, with the Baseline scenario reflecting the latest consensus macroeconomic forecasts available at the time of the scenario refresh. The Baseline scenario continues to reflect the volatile trade policies of the US administration and ongoing geopolitical uncertainty, compounded by ongoing tensions in the Middle East and associated risks to global energy markets. Global growth slows modestly as higher US tariffs, retaliatory measures and persistent uncertainty disrupt trade flows, weigh on investment and dampen business confidence, though domestic demand in advanced economies remains relatively resilient. UK and US GDP growth in 2027 is expected to be 1.2% and 2.1%, respectively. Inflationary pressures remain elevated, with some tariff pass-through, higher energy prices, renewed supply-side frictions and increased transportation costs contributing to a more persistent and broad-based inflation profile. The softening in labour markets is gradual and insufficient to quickly alleviate underlying price pressures. UK and US quarterly unemployment rates peak at 5.2% and 4.3%, respectively. The Downside scenarios have been calibrated to capture a severe escalation in geopolitical tensions, centred on a prolonged Middle East conflict, alongside intensifying global trade frictions. Early in the scenario, conflict escalates sharply with disruptions at critical maritime chokepoints, triggering severe shipping disruptions, surging insurance costs and sharp increases in oil and gas prices amid infrastructure damage. As the shock becomes protracted, firms delay investment, reassess supply chains and hoard inputs, while business and consumer confidence fall sharply. In Downside 2, UK and US GDP in 2027 falls by 3.9% and 3.8%, respectively. Inflation dynamics diverge sharply from Baseline, generating a stagflationary impulse. The deterioration in demand and investment drives a sharp increase in unemployment, initially concentrated in trade and energy exposed sectors but increasingly spilling over into services. In Downside 2, UK and US quarterly unemployment rates peak at 8.1% and 8.8%, respectively. Monetary policy faces a difficult trade-off between persistent inflation and weakening growth. Central banks initially hike rates to ensure inflation expectations remain well anchored, but as the downturn deepens and demand forces weaken price pressures, they shift towards easing. The scenarios also incorporate climate-related risks through both physical and transition channels, including more frequent severe weather disruptions and a shift in sentiment around energy security. These effects amplify volatility, increase costs and further weigh on growth over the medium term. In the Upside scenarios, a rise in labour force participation and higher productivity contribute to accelerated economic growth, without creating new inflationary pressures. Central banks lower interest rates stimulating private consumption and investment growth. Demand for labour increases and unemployment decreases. As geopolitical tensions ease, low inflation supports consumer purchasing power and contributes further to healthy GDP growth. The strong economic outlook and lower interest rates provide a boost to house price growth. The methodology for estimating scenario weights involves simulating a range of future paths for UK and US GDP using historical data with the five scenarios mapped against the distribution of these future paths. The increase in the Upside weights and the reduction in the Baseline and Downside weights in Q326 was driven by improvement in UK and US GDP outlook in the Baseline scenario, moving the Baseline scenario closer to the Upside scenarios. For further details see page 38 However, the Group expects geopolitical uncertainty to remain elevated and any potential impact on corporate earnings is expected to lag. In response, the £66m¹ management adjustment introduced in Q126 within the Investment Bank has been retained. The following tables show the key macroeconomic variables used in the five scenarios (5-year annual paths) and the weights applied to each scenario. 1 Excludes management adjustment of £2m related to other financial assets subject to impairment. Credit Risk Barclays PLC 34
Slide 36 — Credit Risk
Baseline % % % % % UK GDP1 1.3 1.2 1.6 1.7 1.7 UK unemployment2 5.1 5.1 5.2 4.9 4.7 UK HPI3 1.6 2.0 3.2 5.0 4.5 UK bank rate4 3.8 4.3 4.3 4.3 4.3 UK CPI5 3.2 2.1 1.4 2.4 1.8 US GDP1 2.2 2.1 2.2 2.2 2.2 US unemployment6 4.3 4.3 4.2 4.2 4.2 US HPI7 1.7 1.0 1.7 1.7 1.7 US federal funds rate4 3.8 4.0 4.0 4.0 4.0 US CPI8 3.3 2.3 2.2 2.3 2.2 Downside 2 UK GDP1 1.1 (3.9) 0.3 2.3 1.0 UK unemployment2 5.4 7.6 7.9 7.1 6.2 UK HPI3 (4.2) (25.4) 3.1 10.4 5.6 UK bank rate4 3.9 5.1 4.7 4.5 4.5 UK CPI5 5.1 6.7 1.0 0.5 1.1 US GDP1 1.9 (3.8) (1.1) 1.8 2.0 US unemployment6 4.8 8.1 8.5 7.5 6.4 US HPI7 (0.1) (10.2) 3.8 6.3 3.0 US federal funds rate4 3.8 4.8 4.4 4.3 4.3 US CPI8 4.6 5.5 1.8 1.8 2.0 Downside 1 UK GDP1 1.2 (1.3) 1.0 2.0 1.4 UK unemployment2 5.2 6.4 6.6 6.0 5.5 UK HPI3 (1.3) (12.4) 3.2 7.7 5.0 UK bank rate4 3.9 4.7 4.5 4.4 4.4 UK CPI5 4.1 4.3 1.2 1.5 1.5 US GDP1 2.0 (0.9) 0.5 2.0 2.1 US unemployment6 4.6 6.2 6.4 5.8 5.3 US HPI7 0.8 (4.7) 2.7 4.0 2.3 US federal funds rate4 3.8 4.5 4.3 4.3 4.3 US CPI8 3.9 3.9 2.0 2.1 2.1 Upside 2 UK GDP1 1.5 3.5 3.4 2.8 2.4 UK unemployment2 5.0 4.5 4.4 4.0 3.8 UK HPI3 1.9 14.0 6.9 4.0 4.2 UK bank rate4 3.8 3.8 3.1 3.1 3.3 UK CPI5 2.7 1.2 1.2 1.3 1.2 US GDP1 2.2 3.0 3.0 2.8 2.8 US unemployment6 4.2 3.6 3.5 3.5 3.5 US HPI7 3.9 4.7 5.2 4.8 4.8 US federal funds rate4 3.7 3.3 3.3 3.3 3.1 US CPI8 2.8 1.6 1.6 1.6 1.6 1 Average Real GDP seasonally adjusted change in year. 2 Average UK unemployment rate 16-year+. 3 Change in year-end UK HPI = Halifax HPI Meth2 All Houses, All Buyers index, relative to prior year-end. 4 Average rate. 5 Change in year-end UK CPI = Harmonised Index of Consumer Prices, relative to prior year-end. 6 Average US civilian unemployment rate 16-year+. 7 Change in year-end US HPI = FHFA House Price Index, relative to prior year-end. 8 Change in year-end US CPI = Consumer Price Index, relative to prior year-end. Macroeconomic variables used in the calculation of ECL As at 30.09.26 2026 2027 2028 2029 2030 Credit Risk Barclays PLC 35
Slide 37 — Credit Risk
Upside 1 UK GDP1 1.4 2.3 2.5 2.2 2.0 UK unemployment2 5.1 4.8 4.8 4.5 4.3 UK HPI3 1.7 7.9 5.1 4.5 4.3 UK bank rate4 3.8 4.0 3.7 3.7 3.8 UK CPI5 3.0 1.6 1.3 1.8 1.5 US GDP1 2.2 2.6 2.6 2.5 2.5 US unemployment6 4.3 4.0 3.9 3.9 3.9 US HPI7 2.8 2.8 3.4 3.2 3.2 US federal funds rate4 3.8 3.8 3.8 3.8 3.6 US CPI8 3.0 1.9 1.9 2.0 1.9 Macroeconomic variables used in the calculation of ECL As at 30.09.26 2026 2027 2028 2029 2030 1 Average Real GDP seasonally adjusted change in year. 2 Average UK unemployment rate 16-year+. 3 Change in year-end UK HPI = Halifax HPI Meth2 All Houses, All Buyers index, relative to prior year-end. 4 Average rate. 5 Change in year-end UK CPI = Harmonised Index of Consumer Prices, relative to prior year-end. 6 Average US civilian unemployment rate 16-year+. 7 Change in year-end US HPI = FHFA House Price Index, relative to prior year-end. 8 Change in year-end US CPI = Consumer Price Index, relative to prior year-end. Credit Risk Barclays PLC 36
Slide 38 — Credit Risk
Macroeconomic variables used in the calculation of ECL As at 30.06.26 2026 2027 2028 2029 2030 Baseline % % % % % UK GDP1 0.4 1.1 1.4 1.4 1.5 UK unemployment2 5.3 5.3 5.0 4.9 4.9 UK HPI3 1.3 1.6 3.9 3.0 3.9 UK bank rate4 4.1 4.4 4.3 4.3 4.3 US GDP1 1.7 2.0 2.1 2.1 2.1 US unemployment5 4.4 4.3 4.3 4.3 4.3 US HPI6 2.1 2.1 2.4 2.4 2.4 US federal funds rate4 3.7 3.8 3.8 3.8 3.8 Downside 2 UK GDP1 (0.5) (4.1) 1.9 1.7 1.0 UK unemployment2 6.0 7.8 7.8 6.9 6.0 UK HPI3 (12.0) (19.3) 6.7 9.3 4.6 UK bank rate4 4.2 5.1 4.6 4.5 4.5 US GDP1 0.5 (4.3) — 2.1 1.6 US unemployment5 5.5 8.5 8.3 7.2 6.1 US HPI6 (3.1) (6.3) 5.7 5.0 2.9 US federal funds rate4 3.8 4.9 4.3 4.3 4.3 Downside 1 UK GDP1 (0.1) (1.6) 1.6 1.5 1.2 UK unemployment2 5.6 6.6 6.4 5.9 5.4 UK HPI3 (5.4) (9.2) 5.3 6.1 4.3 UK bank rate4 4.1 4.7 4.5 4.5 4.5 US GDP1 1.1 (1.2) 1.1 2.1 1.9 US unemployment5 5.0 6.4 6.3 5.8 5.2 US HPI6 (0.5) (2.1) 4.0 3.7 2.7 US federal funds rate4 3.8 4.2 4.1 4.0 4.0 Upside 2 UK GDP1 0.9 3.8 3.2 2.6 2.3 UK unemployment2 5.1 4.6 4.1 4.0 4.0 UK HPI3 4.1 14.2 6.8 2.7 3.8 UK bank rate4 4.0 3.8 3.0 3.1 3.3 US GDP1 1.8 3.2 2.9 2.8 2.8 US unemployment5 4.2 3.7 3.6 3.6 3.6 US HPI6 4.9 4.3 5.3 4.9 4.9 US federal funds rate4 3.5 3.0 3.0 3.0 2.8 Upside 1 UK GDP1 0.6 2.4 2.3 2.0 1.9 UK unemployment2 5.2 4.9 4.6 4.5 4.5 UK HPI3 2.7 7.8 5.4 2.9 3.9 UK bank rate4 4.0 4.1 3.5 3.6 3.8 US GDP1 1.8 2.6 2.5 2.5 2.5 US unemployment5 4.3 4.0 4.0 4.0 4.0 US HPI6 3.5 3.2 3.8 3.6 3.6 US federal funds rate4 3.5 3.3 3.3 3.3 3.3 1 Average Real GDP seasonally adjusted change in year. 2 Average UK unemployment rate 16-year+. 3 Change in year-end UK HPI = Halifax HPI Meth2 All Houses, All Buyers index, relative to prior year-end. 4 Average rate. 5 Average US civilian unemployment rate 16-year+. 6 Change in year-end US HPI = FHFA House Price Index, relative to prior year-end. Credit Risk Barclays PLC 37
Slide 39 — Credit Risk
As at 31.12.25 2025 2026 2027 2028 2029 Baseline % % % % % UK GDP1 1.5 1.1 1.4 1.4 1.4 UK unemployment2 4.7 4.9 4.8 4.8 4.7 UK HPI3 1.5 2.9 2.5 4.3 3.8 UK bank rate4 4.2 3.4 3.4 3.5 3.6 US GDP1 2.1 2.0 2.0 2.0 2.0 US unemployment5 4.2 4.5 4.4 4.4 4.4 US HPI6 3.2 1.7 1.9 2.6 2.6 US federal funds rate4 4.2 3.4 3.3 3.3 3.5 Downside 2 UK GDP1 1.5 (2.5) (1.2) 2.8 1.1 UK unemployment2 4.7 5.8 7.7 6.9 5.7 UK HPI3 1.5 (24.9) (5.1) 9.6 14.2 UK bank rate4 4.2 2.3 0.5 0.4 1.1 US GDP1 2.1 (2.7) (2.8) 1.6 2.4 US unemployment5 4.2 5.7 8.0 7.9 5.9 US HPI6 3.2 (8.2) (1.7) 7.2 7.7 US federal funds rate4 4.2 3.6 2.4 1.4 1.2 Downside 1 UK GDP1 1.5 (0.7) 0.1 2.1 1.3 UK unemployment2 4.7 5.3 6.3 5.8 5.2 UK HPI3 1.5 (11.8) (1.3) 6.9 8.9 UK bank rate4 4.2 2.9 2.0 1.9 2.4 US GDP1 2.1 (0.3) (0.4) 1.8 2.2 US unemployment5 4.2 5.1 6.2 6.1 5.1 US HPI6 3.2 (3.3) 0.1 4.9 5.1 US federal funds rate4 4.2 3.6 2.8 2.4 2.4 Upside 2 UK GDP1 1.5 2.7 3.7 2.9 2.4 UK unemployment2 4.7 4.3 4.0 3.9 3.8 UK HPI3 1.5 11.9 8.4 5.1 4.1 UK bank rate4 4.2 3.1 2.3 2.3 2.6 US GDP1 2.1 2.8 3.1 2.8 2.8 US unemployment5 4.2 3.9 3.7 3.7 3.7 US HPI6 3.2 6.2 4.7 4.8 4.9 US federal funds rate4 4.2 3.0 2.5 2.5 2.5 Upside 1 UK GDP1 1.5 1.9 2.6 2.2 1.9 UK unemployment2 4.7 4.6 4.4 4.4 4.3 UK HPI3 1.5 7.4 5.4 4.7 3.9 UK bank rate4 4.2 3.2 2.8 2.8 3.1 US GDP1 2.1 2.4 2.6 2.4 2.4 US unemployment5 4.2 4.2 4.1 4.1 4.1 US HPI6 3.2 4.0 3.3 3.7 3.7 US federal funds rate4 4.2 3.3 2.8 2.8 3.0 1 Average Real GDP seasonally adjusted change in year. 2 Average UK unemployment rate 16-year+. 3 Change in year-end UK HPI = Halifax HPI Meth2 All Houses, All Buyers index, relative to prior year-end. 4 Average rate. 5 Average US civilian unemployment rate 16-year+. 6 Change in year-end US HPI = FHFA House Price Index, relative to prior year-end. Scenario weighting Upside 2 Upside 1 Baseline Downside 1 Downside 2 % % % % % As at 30.09.26 Scenario weighting 16.6 28.0 36.4 12.1 6.9 As at 30.06.26 Scenario weighting 13.7 27.3 39.5 12.5 7.0 As at 31.12.25 Scenario weighting 14.4 27.4 38.5 12.7 7.0 Credit Risk Barclays PLC 38
Slide 40 — Treasury and Capital Risk
Regulatory minimum requirements Capital As at 30 September 2026, the Group’s Overall Capital Requirement for CET1, excluding any applicable PRA buffer, was 12.2% and comprised a 4.5% Pillar 1 minimum, a 2.5% Capital Conservation Buffer (CCB), a 1.5% Global Systemically Important Institution (G-SII) buffer, a 2.7% Pillar 2A requirement and a 1.0% Countercyclical Capital Buffer (CCyB). The Group’s CCyB is based on the buffer rate applicable for each jurisdiction in which the Group has exposures. The buffer rates set by other national authorities for non-UK exposures are not currently material. The Group’s Pillar 2A requirement is 4.8% with at least 56.25% to be met with CET1 capital, equating to 2.7% of RWAs. The Pillar 2A requirement, based on a point in time assessment, has been set as a proportion of RWAs and is subject to at least annual review. The Group’s CET1 target ratio of 13-14% takes into account minimum capital requirements and applicable buffers. The Group remains above its minimum capital regulatory requirements and applicable buffers. Leverage As at 30 September 2026, the Group was subject to a UK leverage ratio requirement of 4.1%. This comprised the 3.25% minimum requirement, a G-SII additional leverage ratio buffer (G-SII ALRB) of 0.53% and a countercyclical leverage ratio buffer (CCLB) of 0.3%. The Group is also required to disclose an average UK leverage ratio which is based on capital on the last day of each month in the quarter and an exposure measure for each day in the quarter. MREL As at 30 September 2026, the Group was required to meet the higher of: (i) two times the sum of 8% Pillar 1 and 4.8% Pillar 2A equating to 25.5% of RWAs; and (ii) 6.75% of leverage exposures. CET1 capital cannot be counted towards both MREL and the buffers, meaning that the buffers, including any applicable PRA buffer, will effectively be applied above MREL requirements. Significant regulatory updates in the period In January 2026, the PRA confirmed the final implementation timetable for the UK Basel 3.1 framework, reaffirming that Basel 3.1 will be implemented from 1 January 2027. From the same date, the Group’s Overall Capital Requirement will reduce, reflecting a 59bps reduction in the Pillar 2A requirement on a CET1 basis. The PRA also confirmed its approach to the Fundamental Review of the Trading Book (FRTB), under which implementation of the Internal Models Approach (IMA) will be deferred to 1 January 2028, while all other FRTB components will take effect from 1 January 2027. Treasury and Capital Risk Barclays PLC 39
Slide 41 — Treasury and Capital Risk
Capital ratios As at 30.09.26 As at 30.06.26 As at 31.12.25 CET1 14.2% 14.3% 14.3% T1 17.8% 18.0% 17.9% Total regulatory capital 19.9% 20.3% 20.4% MREL ratio as a percentage of total RWAs 35.2% 36.7% 35.8% Own funds and eligible liabilities £m £m £m Total equity excluding non-controlling interests per the balance sheet 77,100 79,358 77,784 Less: other equity instruments (recognised as AT1 capital) (13,275) (13,275) (12,725) Adjustment to retained earnings for foreseeable ordinary share dividends (705) (1,000) (778) Adjustment to retained earnings for foreseeable repurchase of shares (316) — (271) Adjustment to retained earnings for foreseeable other equity coupons (45) (38) (36) Other regulatory adjustments and deductions Additional value adjustments (PVA) (2,108) (2,086) (1,956) Goodwill and intangible assets (8,769) (8,845) (8,255) Deferred tax assets that rely on future profitability excluding temporary differences (828) (892) (1,069) Fair value reserves related to gains or losses on cash flow hedges 3,936 1,548 666 Excess of expected losses over impairment (618) (505) (436) Gains or losses on liabilities at fair value resulting from own credit 707 577 904 Defined benefit pension fund assets (2,468) (2,407) (2,398) Direct and indirect holdings by an institution of own CET1 instruments (8) (6) (14) Other regulatory adjustments (237) (186) (346) CET1 capital 52,366 52,243 51,070 AT1 capital Capital instruments and related share premium accounts 13,286 13,286 12,758 Other regulatory adjustments and deductions (10) (10) (33) AT1 capital 13,276 13,275 12,725 T1 capital 65,642 65,519 63,795 T2 capital Capital instruments and related share premium accounts 8,188 8,479 8,835 Qualifying T2 capital (including minority interests) issued by subsidiaries 47 49 55 Other regulatory adjustments and deductions (140) (118) (71) Total regulatory capital 73,737 73,929 72,614 Less : Ineligible T2 capital (including minority interests) issued by subsidiaries (47) (49) (55) Eligible liabilities 56,549 59,973 55,106 Total own funds and eligible liabilities1 130,239 133,852 127,665 Total RWAs 369,753 364,764 356,774 1 As at 30 September 2026, the Group's MREL requirement, excluding any applicable PRA buffer, was to hold £112.9bn of own funds and eligible liabilities equating to 30.5% of RWAs. The Group remains above its MREL regulatory requirement including any applicable PRA buffer. Treasury and Capital Risk Barclays PLC 40
Slide 42 — Treasury and Capital Risk
Movement in CET1 capital Three months ended 30.09.26 Nine months ended 30.09.26 £m £m Opening CET1 capital 52,243 51,070 Profit for the period attributable to equity holders 1,900 6,578 Own credit relating to derivative liabilities (5) 3 Ordinary share dividends paid and foreseen (500) (1,500) Purchased and foreseeable share repurchase (1,000) (2,500) Other equity coupons paid and foreseen (262) (751) Increase in retained regulatory capital generated from earnings 133 1,830 Net impact of share schemes 153 44 Fair value through other comprehensive income reserve (67) 34 Currency translation reserve (36) 183 Other reserves (12) (20) Increase in other qualifying reserves 38 241 Pension remeasurements within reserves 59 35 Defined benefit pension fund asset deduction (60) (70) Net impact of pensions (1) (35) Additional value adjustments (PVA) (22) (152) Goodwill and intangible assets 76 (515) Deferred tax assets that rely on future profitability excluding those arising from temporary differences 64 241 Excess of expected loss over impairment (113) (182) Direct and indirect holdings by an institution of own CET1 instruments (2) 6 Other regulatory adjustments (50) (138) Decrease in regulatory capital due to adjustments and deductions (47) (740) Closing CET1 capital 52,366 52,366 CET1 capital increased by £1.3bn to £52.4bn (December 2025: £51.1bn). Significant movements in the period were: • £6.6bn of capital generated from profit partially offset by distributions of £4.8bn comprising: – £2.5bn share buybacks including the now completed £1.5bn share buyback announced with the FY25 and Q126 results and the ongoing £1.0bn share buyback announced with Q226 results – £1.5bn of ordinary share dividends paid and foreseen reflecting the £0.8bn half year dividend paid in September 2026 and a £0.7bn accrual towards the total 2026 dividend – £0.8bn of equity coupons paid and foreseen • £0.7bn decrease due to regulatory adjustments and deductions including £0.5bn of goodwill and intangibles deductions primarily driven by the Best Egg acquisition Treasury and Capital Risk Barclays PLC 41
Slide 43 — Treasury and Capital Risk
RWAs by risk type and business Credit risk Counterparty credit risk Market Risk Operational risk Total RWAs STD IRB STD IRB Settlement Risk CVA STD IMA As at 30.09.26 £m £m £m £m £m £m £m £m £m £m Barclays UK 16,982 59,528 134 8 — 36 144 — 13,804 90,636 Barclays UK Corporate Bank 4,507 18,766 98 282 — 3 14 252 3,530 27,452 Barclays Private Bank & Wealth Management 5,104 588 126 21 — 11 36 170 2,062 8,118 Barclays Investment Bank 44,591 53,088 23,774 23,137 330 2,475 13,449 19,947 25,275 206,066 Barclays US Consumer Bank 17,966 967 — — — — — — 5,394 24,327 Head Office 5,818 5,935 — 4 — — 277 30 1,090 13,154 Barclays Group 94,968 138,872 24,132 23,452 330 2,525 13,920 20,399 51,155 369,753 As at 30.06.26 Barclays UK 16,987 57,919 118 9 — 33 135 — 13,804 89,005 Barclays UK Corporate Bank 3,866 18,522 97 260 — 3 16 274 3,530 26,568 Barclays Private Bank & Wealth Management 5,002 570 128 25 — 11 37 185 2,062 8,020 Barclays Investment Bank 44,721 51,050 25,723 22,591 336 2,566 12,110 19,772 25,275 204,144 Barclays US Consumer Bank 17,894 1,016 — — — — — — 5,394 24,304 Head Office 5,538 5,883 1 4 — — 175 32 1,090 12,723 Barclays Group 94,008 134,960 26,067 22,889 336 2,613 12,473 20,263 51,155 364,764 As at 31.12.25 Barclays UK 16,731 55,037 132 8 — 43 177 — 13,697 85,825 Barclays UK Corporate Bank 3,878 18,341 89 312 1 4 31 343 3,510 26,509 Barclays Private Bank & Wealth Management 4,981 580 112 19 — 11 39 240 2,054 8,036 Barclays Investment Bank 44,961 49,750 21,986 19,442 165 3,030 12,018 20,111 25,238 196,701 Barclays US Consumer Bank 21,050 1,004 — 1 — — — — 5,393 27,448 Head Office 5,405 5,439 1 5 — — 219 59 1,127 12,255 Barclays Group 97,006 130,151 22,320 19,787 166 3,088 12,484 20,753 51,019 356,774 Movement analysis of RWAs Credit risk Counterparty credit risk Market risk Operational risk Total RWAs £m £m £m £m £m RWAs as at 31.12.25 227,157 45,361 33,237 51,019 356,774 Book size 10,270 5,196 900 136 16,502 Acquisitions and disposals (3,192) — — — (3,192) Book quality (574) (61) — — (635) Model updates — (289) — — (289) Methodology and policy (689) 29 — — (660) Foreign exchange movements1 868 203 182 — 1,253 Total RWA movements 6,683 5,078 1,082 136 12,979 RWAs as at 30.09.26 233,840 50,439 34,319 51,155 369,753 1 Foreign exchange movements does not include the impact of foreign exchange for modelled market risk or operational risk. Total RWAs increased £13.0bn to £369.8bn (December 2025: £356.8bn) primarily driven by: Credit risk RWAs increased £6.7bn: • A £10.3bn increase in book size primarily reflecting lending growth in UK businesses and increased lending within IB; partially offset by • A £3.2bn decrease in acquisitions and disposals reflecting the net impact of the AA portfolio exit and the Best Egg acquisition Counterparty credit risk RWAs increased £5.1bn primarily driven by higher activity in Global Markets Treasury and Capital Risk Barclays PLC 42
Slide 44 — Treasury and Capital Risk
Leverage ratios As at 30.09.26 As at 30.06.26 As at 31.12.25 £m £m £m UK leverage ratio1 4.9% 4.9% 5.1% T1 capital 65,642 65,519 63,795 UK leverage exposure 1,344,015 1,345,596 1,247,313 Average UK leverage ratio 4.6% 4.6% 4.7% Average T1 capital 64,449 63,787 63,277 Average UK leverage exposure 1,387,668 1,393,843 1,358,364 1 Although the leverage ratio is expressed in terms of T1 capital, the leverage ratio buffers and 75% of the minimum requirement must be covered solely with CET1 capital. The CET1 capital held against the 0.53% G-SII ALRB was £7.1bn and against the 0.3% CCLB was £4.0bn. The UK leverage ratio decreased to 4.9% (December 2025: 5.1%) primarily driven by a £96.7bn increase in leverage exposure to £1,344.0bn (December 2025: £1,247.3bn), partially offset by a £1.8bn increase in Tier 1 capital. The increase in leverage exposure was driven by higher trading activity in Global Markets and increased lending across the Group Treasury and Capital Risk Barclays PLC 43
Slide 45 — Condensed consolidated income statement (unaudited)
Condensed consolidated income statement (unaudited) Nine months ended 30.09.26 Nine months ended 30.09.25 £m £m Total income 23,866 22,063 Operating expenses excluding UK regulatory levies & litigation and conduct (13,438) (12,661) UK regulatory levies (95) (84) Litigation and conduct (92) (342) Operating expenses (13,625) (13,087) Other net income 44 48 Profit before impairment 10,285 9,024 Credit impairment charges (1,897) (1,744) Profit before tax 8,388 7,280 Tax charge (1,791) (1,538) Profit after tax 6,597 5,742 Attributable to: Shareholders of the parent 5,837 4,980 Other equity holders 741 739 Equity holders of the parent 6,578 5,719 Non-controlling interests 19 23 Profit after tax 6,597 5,742 Earnings per share Basic earnings per ordinary share 43.0p 35.1p Condensed Consolidated Financial Statements Barclays PLC 44
Slide 46 — Condensed consolidated balance sheet (unaudited)
Condensed consolidated balance sheet (unaudited) As at 30.09.26 As at 31.12.25 Assets £m £m Cash and balances at central banks 253,290 229,752 Cash collateral and settlement balances 179,396 130,532 Debt securities at amortised cost 70,787 68,475 Loans and advances at amortised cost to banks 10,526 8,638 Loans and advances at amortised cost to customers 373,149 352,885 Reverse repurchase agreements and other similar secured lending at amortised cost 12,051 17,622 Trading portfolio assets 215,985 190,061 Financial assets at fair value through the income statement 201,717 186,857 Derivative financial instruments 308,971 252,459 Financial assets at fair value through other comprehensive income 82,203 74,394 Investments in associates and joint ventures 751 739 Goodwill and intangible assets 8,994 8,284 Current tax assets 494 276 Deferred tax assets 5,654 4,992 Assets included in a disposal group classified as held for sale — 5,932 Other assets 13,612 12,267 Total assets 1,737,580 1,544,165 Liabilities Deposits at amortised cost from banks 15,783 20,413 Deposits at amortised cost from customers 583,476 565,200 Cash collateral and settlement balances 178,471 117,583 Repurchase agreements and other similar secured borrowings at amortised cost 29,269 25,170 Debt securities in issue 119,085 119,033 Subordinated liabilities 10,638 12,954 Trading portfolio liabilities 84,114 57,737 Financial liabilities designated at fair value 327,268 294,108 Derivative financial instruments 298,339 240,808 Current tax liabilities 992 868 Deferred tax liabilities 13 13 Other liabilities 12,578 12,042 Total liabilities 1,660,026 1,465,929 Equity Called up share capital and share premium 4,171 4,178 Other equity instruments 13,275 12,725 Other reserves (1,070) 1,628 Retained earnings 60,724 59,253 Total equity excluding non-controlling interests 77,100 77,784 Non-controlling interests 454 452 Total equity 77,554 78,236 Total liabilities and equity 1,737,580 1,544,165 Condensed Consolidated Financial Statements Barclays PLC 45
Slide 47 — Condensed consolidated statement of changes in equity (unaudited)
Condensed consolidated statement of changes in equity (unaudited) Called up share capital and share premium Other equity instruments Other reserves Retained earnings Total Non- controlling interests Total equity Nine months ended 30.09.2026 £m £m £m £m £m £m £m Balance as at 1 January 2026 4,178 12,725 1,628 59,253 77,784 452 78,236 Profit after tax — 741 — 5,837 6,578 19 6,597 Currency translation movements — — 183 — 183 — 183 Fair value through other comprehensive income reserve — — 34 — 34 — 34 Cash flow hedges — — (3,270) — (3,270) — (3,270) Retirement benefit remeasurements — — — 35 35 — 35 Own credit — — 200 — 200 — 200 Total comprehensive income for the period — 741 (2,853) 5,872 3,760 19 3,779 Employee share schemes and hedging thereof 127 — — 603 730 — 730 Issue and redemption of other equity instruments — 527 — — 527 — 527 Other equity instruments coupon paid — (741) — — (741) — (741) Redemption of preference shares — — — — — — — Vesting of employee share schemes net of purchases — — 15 (963) (948) — (948) Dividends paid — — — (1,564) (1,564) (19) (1,583) Repurchase of shares (134) — 134 (2,469) (2,469) — (2,469) Other movements — 23 6 (8) 21 2 23 Balance as at 30 September 2026 4,171 13,275 (1,070) 60,724 77,100 454 77,554 Three months ended 30.09.2026 £m £m £m £m £m £m £m Balance as at 1 July 2026 4,186 13,275 1,493 60,404 79,358 453 79,811 Profit after tax — 254 — 1,646 1,900 — 1,900 Currency translation movements — — (36) — (36) — (36) Fair value through other comprehensive income reserve — — (67) — (67) — (67) Cash flow hedges — — (2,388) — (2,388) — (2,388) Retirement benefit remeasurements — — — 59 59 — 59 Own credit — — (134) — (134) — (134) Total comprehensive income for the period — 254 (2,625) 1,705 (666) — (666) Employee share schemes and hedging thereof 18 — — 124 142 — 142 Issue and redemption of other equity instruments — — — — — — — Other equity instruments coupon paid — (254) — — (254) — (254) Vesting of employee shares scheme net of purchases — — 26 (15) 11 — 11 Dividends paid — — — (795) (795) — (795) Repurchase of shares (33) — 33 (688) (688) — (688) Other movements — — 3 (11) (8) 1 (7) Balance as at 30 September 2026 4,171 13,275 (1,070) 60,724 77,100 454 77,554 As at As at 30.09.2026 As at As at 31.12.2025 Other Reserves £m £m Currency translation reserve 2,676 2,493 Fair value through other comprehensive income reserve (1,067) (1,100) Cash flow hedging reserve (3,936) (666) Own credit reserve (783) (990) Other reserves and treasury shares 2,040 1,891 Total (1,070) 1,628 Condensed Consolidated Financial Statements Barclays PLC 46
Slide 48 — Appendix: Non-IFRS Performance Measures
The Group’s management believes that the non-IFRS performance measures included in this document provide valuable information to the readers of the financial statements, as they enable the reader to identify a more consistent basis for comparing the businesses’ performance between financial periods, and provide more detail concerning the elements of performance which the managers of these businesses are most directly able to influence or are relevant for an assessment of the Group. They also reflect an important aspect of the way in which operating targets are defined and performance is monitored by management. However, any non-IFRS performance measures in this document are not a substitute for IFRS measures and readers should consider the IFRS measures as well. Non-IFRS performance measures glossary Measure Definition Loan: deposit ratio Loan: deposit ratio is calculated as total loans and advances at amortised cost (including debt securities) divided by total deposits at amortised cost. Customer Loan: deposit ratio Customer loans and advances at amortised cost divided by customer deposits at amortised cost. Period end tangible equity refers to: Period end tangible shareholders' equity (for Barclays Group) Shareholders' equity attributable to ordinary shareholders of the parent, adjusted for the deduction of goodwill and intangible assets. Period end allocated tangible equity (for businesses) Allocated tangible equity is calculated as 13.5% (2025: 13.5%) of RWAs for each business, adjusted for capital deductions, excluding goodwill and intangible assets, reflecting the assumptions the Barclays Group uses for capital planning purposes. Head Office allocated tangible equity represents the difference between the Barclays Group’s tangible shareholders’ equity and the amounts allocated to businesses. Average tangible equity refers to: Average tangible shareholders’ equity (for Barclays Group) Calculated as the average of the previous month’s period end tangible shareholders' equity and the current month’s period end tangible shareholders' equity. The average tangible shareholders’ equity for the period is the average of the monthly averages within that period. Average allocated tangible equity (for businesses) Calculated as the average of the previous month’s period end allocated tangible equity and the current month’s period end allocated tangible equity. The average allocated tangible equity for the period is the average of the monthly averages within that period. Return on tangible equity (RoTE) refers to: Return on average tangible shareholders’ equity (for Barclays Group) Annualised Group attributable profit, as a proportion of average tangible shareholders’ equity. The components of the calculation have been included on page 47. Return on average allocated tangible equity (for businesses) Annualised business attributable profit, as a proportion of that business's average allocated tangible equity. The components of the calculation have been included on pages 49 to 50. Operating costs A measure of total operating expenses excluding litigation and conduct charges and UK regulatory levies. Cost: income ratio Total operating expenses divided by total income. Loan loss rate Quoted in basis points and represents total impairment charges divided by total gross loans and advances held at amortised cost (including portfolios reclassified to assets held for sale) at the balance sheet date. The components of the calculation have been included on pages 51 to 53. Net interest margin Annualised net interest income divided by the sum of average customer assets. The components of the calculation have been included on page 28. Tangible net asset value per share Calculated by dividing shareholders’ equity, excluding non-controlling interests and other equity instruments, less goodwill and intangible assets, by the number of issued ordinary shares. The components of the calculation have been included on page 55. Profit before impairment Calculated by excluding credit impairment charges or releases from profit before tax. Net New Assets Under Management The net inflows and outflows of client balances within Discretionary Portfolio Management and Advisory mandates. Excludes market performance and foreign exchange translation but includes reinvested dividend payments. Assets under Management (AUM) Total market value of client investment balances managed within investment mandates where Barclays provides discretionary portfolio management or advisory services. Total Assets Under Management excludes uninvested cash held under an investment mandate and reported within deposits. Assets under Supervision (AUS) Total market value of client investment balances where Barclays provides custodian or transactional services. Group net interest income excluding Barclays Investment Bank and Head Office A measure of Barclays Group net interest income, excluding the net interest income reported in Barclays Investment Bank and Head Office. Income over average risk weighted assets Represents total income as a proportion of average risk weighted assets. Average risk weighted assets calculated as the average of the previous month’s period end risk weighted assets and the current month’s period end risk weighted assets. Average risk weighted assets for the period is the average of the monthly averages within that period. Appendix: Non-IFRS Performance Measures Barclays PLC 47
Slide 49 — Returns
Returns Nine months ended 30.09.26 Barclays UK Barclays UK Corporate Bank Barclays Private Bank and Wealth Management Barclays Investment Bank Barclays US Consumer Bank Head Office Barclays Group Return on average tangible equity £m £m £m £m £m £m £m Attributable profit/(loss) 1,880 606 216 3,035 521 (421) 5,837 £bn £bn £bn £bn £bn £bn £bn Average equity 16.2 3.7 1.2 30.0 4.2 9.9 65.2 Average goodwill and intangibles (3.9) — (0.1) — (0.7) (3.9) (8.6) Average tangible equity 12.3 3.7 1.1 30.0 3.5 6.0 56.6 Return on average tangible equity 20.4% 21.6% 25.4% 13.5% 19.9% n/m 13.8% Nine months ended 30.09.25 Barclays UK Barclays UK Corporate Bank Barclays Private Bank and Wealth Management Barclays Investment Bank Barclays US Consumer Bank Head Office Barclays Group Return on average tangible equity £m £m £m £m £m £m £m Attributable profit/(loss) 1,737 480 256 2,798 246 (537) 4,980 £bn £bn £bn £bn £bn £bn £bn Average equity 15.8 3.4 1.2 29.0 4.1 8.8 62.3 Average goodwill and intangibles (4.0) — (0.1) — (0.6) (3.6) (8.3) Average tangible equity 11.8 3.4 1.1 29.0 3.5 5.3 54.0 Return on average tangible equity 19.6% 18.8% 30.9% 12.9% 9.4% n/m 12.3% Appendix: Non-IFRS Performance Measures Barclays PLC 48
Slide 50 — Barclays Group
Barclays Group Return on average tangible shareholders' equity Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Attributable profit 1,646 2,259 1,932 1,195 1,457 1,659 1,864 965 £bn £bn £bn £bn £bn £bn £bn £bn Average shareholders' equity 65.3 64.8 65.5 64.8 63.3 62.1 61.4 59.7 Average goodwill and intangibles (8.9) (8.7) (8.3) (8.3) (8.2) (8.2) (8.3) (8.2) Average tangible shareholders' equity 56.4 56.1 57.2 56.5 55.1 53.9 53.1 51.5 Return on average tangible shareholders' equity 11.7% 16.1% 13.5% 8.5% 10.6% 12.3% 14.0% 7.5% Barclays UK Return on average allocated tangible equity Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Attributable profit 666 623 591 706 647 580 510 781 £bn £bn £bn £bn £bn £bn £bn £bn Average allocated equity 16.5 16.2 15.9 15.9 15.9 15.8 15.7 15.1 Average goodwill and intangibles (3.9) (4.0) (3.9) (4.0) (4.0) (4.0) (4.0) (3.9) Average allocated tangible equity 12.6 12.2 12.0 11.9 11.9 11.8 11.7 11.2 Return on average allocated tangible equity 21.2% 20.4% 19.7% 23.8% 21.8% 19.7% 17.4% 28.0% Barclays UK Corporate Bank Return on average allocated tangible equity Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Attributable profit 218 201 187 168 196 142 142 98 £bn £bn £bn £bn £bn £bn £bn £bn Average allocated equity 3.7 3.8 3.8 3.5 3.4 3.4 3.3 3.2 Average goodwill and intangibles — — — — — — — — Average allocated tangible equity 3.7 3.8 3.8 3.5 3.4 3.4 3.3 3.2 Return on average allocated tangible equity 23.5% 21.3% 19.9% 19.1% 22.8% 16.6% 17.1% 12.3% Barclays Private Bank and Wealth Management Return on average allocated tangible equity Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Attributable profit 68 75 73 35 72 88 96 63 £bn £bn £bn £bn £bn £bn £bn £bn Average allocated equity 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 Average goodwill and intangibles (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) (0.1) Average allocated tangible equity 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 Return on average allocated tangible equity 23.8% 26.9% 25.5% 12.6% 26.4% 31.9% 34.5% 23.9% Appendix: Non-IFRS Performance Measures Barclays PLC 49
Slide 51 — Barclays Investment Bank
Barclays Investment Bank Return on average allocated tangible equity Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Attributable profit 720 1,204 1,111 294 723 876 1,199 247 £bn £bn £bn £bn £bn £bn £bn £bn Average allocated equity 30.4 30.0 29.7 29.6 28.6 28.7 29.6 29.3 Average goodwill and intangibles — — — — — — — — Average allocated tangible equity 30.4 30.0 29.7 29.6 28.6 28.7 29.6 29.3 Return on average allocated tangible equity 9.5% 16.0% 15.0% 4.0% 10.1% 12.2% 16.2% 3.4% Barclays US Consumer Bank Return on average allocated tangible equity Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Attributable profit 92 253 176 144 118 87 41 94 £bn £bn £bn £bn £bn £bn £bn £bn Average allocated equity 4.3 4.1 4.3 4.2 4.0 4.0 4.2 4.0 Average goodwill and intangibles (0.9) (0.8) (0.5) (0.6) (0.5) (0.6) (0.6) (0.6) Average allocated tangible equity 3.4 3.3 3.8 3.6 3.5 3.4 3.6 3.4 Return on average allocated tangible equity 10.9% 30.2% 18.8% 15.8% 13.5% 10.2% 4.5% 11.2% Appendix: Non-IFRS Performance Measures Barclays PLC 50
Slide 52 — Loan loss rates
Loan loss rates Nine months ended 30.09.26 Barclays UK Barclays UK Corporate Bank Barclays Private Bank and Wealth Management Barclays Investment Bank Barclays US Consumer Bank Head Office Barclays Group Loan loss rate £m £m £m £m £m £m £m Credit impairment (charges)/ releases (461) (21) (8) (356) (1,053) 2 (1,897) £bn £bn £bn £bn £bn £bn £bn Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale)1 243.3 33.2 16.4 139.6 25.5 1.8 459.8 Loan loss rate (bps) 25 8 7 34 552 n/m 55 Nine months ended 30.09.25 Barclays UK Barclays UK Corporate Bank Barclays Private Bank and Wealth Management Barclays Investment Bank Barclays US Consumer Bank Head Office Barclays Group Loan loss rate £m £m £m £m £m £m £m Credit impairment (charges)/ releases (339) (36) 10 (283) (1,090) (6) (1,744) £bn £bn £bn £bn £bn £bn £bn Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale)1 230.9 29.2 15.2 129.8 29.8 2.6 437.5 Loan loss rate (bps) 20 16 (9) 29 489 n/m 53 1 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. Appendix: Non-IFRS Performance Measures Barclays PLC 51
Slide 53 — Barclays Group
Barclays Group Loan loss rate Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Credit impairment charges (503) (571) (823) (535) (632) (469) (643) (711) £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale)1 459.8 450.4 449.9 441.3 437.5 428.4 430.4 429.6 Loan loss rate (bps) 43 51 74 48 57 44 61 66 Barclays UK Loan loss rate Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Credit impairment charges (123) (160) (178) (74) (102) (79) (158) (283) £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale)1 243.3 239.8 233.6 231.9 230.9 228.5 227.5 227.5 Loan loss rate (bps) 20 27 31 13 18 14 28 49 Barclays UK Corporate Bank Loan loss rate Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Credit impairment charges (2) (16) (3) (1) (5) (12) (19) (40) £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale)1 33.2 31.4 31.0 30.2 29.2 28.2 27.0 25.8 Loan loss rate (bps) 2 20 4 1 7 17 28 62 Barclays Private Bank and Wealth Management Loan loss rate Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Credit impairment (charges)/releases (5) (5) 2 (2) (1) 2 9 (2) £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale)1 16.4 15.1 15.1 15.1 15.2 14.8 14.8 14.7 Loan loss rate (bps) 12 13 (6) 5 3 (5) (25) 5 1 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. Appendix: Non-IFRS Performance Measures Barclays PLC 52
Slide 54 — Barclays Investment Bank
Barclays Investment Bank Loan loss rate Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Credit impairment charges (33) (44) (279) (22) (144) (67) (72) (46) £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale)1 139.6 137.2 137.4 131.0 129.8 126.8 129.6 124.9 Loan loss rate (bps) 9 13 82 7 44 21 23 15 Barclays US Consumer Bank Loan loss rate Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Credit impairment charges (340) (346) (367) (431) (379) (312) (399) (298) £bn £bn £bn £bn £bn £bn £bn £bn Gross loans and advances held at amortised cost (including portfolios reclassified as held for sale)1 25.5 25.0 30.3 30.6 29.8 27.4 28.9 30.0 Loan loss rate (bps) 529 555 491 558 505 456 562 395 1 Gross loans and advances at amortised cost comprises: loans and advances to customers and banks at amortised cost, debt securities, and portfolios reclassified as held for sale, gross of impairment allowance, and is the denominator used in the LLR metric. Appendix: Non-IFRS Performance Measures Barclays PLC 53
Slide 55 — Income over average RWAs
Income over average RWAs Barclays Investment Bank Nine months ended 30.09.26 Nine months ended 30.09.25 £m £m Income 11,115 10,263 £bn £bn Average RWAs 204.3 197.5 Income over average RWAs 7.3% 6.9% Barclays Investment Bank Q326 Q226 Q126 Q425 Q325 Q225 Q125 Q424 £m £m £m £m £m £m £m £m Income 3,129 3,958 4,028 2,792 3,083 3,307 3,873 2,607 £bn £bn £bn £bn £bn £bn £bn £bn Average RWAs 206.3 204.5 202.0 202.1 194.9 196.1 201.4 199.9 Income over average RWAs 6.1% 7.7% 8.0% 5.5% 6.3% 6.7% 7.7% 5.2% Appendix: Non-IFRS Performance Measures Barclays PLC 54
Slide 56 — Tangible net asset value per share
Tangible net asset value per share As at 30.09.26 As at 31.12.25 As at 30.09.25 £m £m £m Total equity excluding non-controlling interests 77,100 77,784 76,394 Other equity instruments (13,275) (12,725) (13,243) Goodwill and intangibles (8,994) (8,284) (8,255) Tangible shareholders' equity attributable to ordinary shareholders of the parent 54,831 56,775 54,896 m m m Shares in issue 13,379 13,867 13,996 p p p Tangible net asset value per share 410 409 392 Appendix: Non-IFRS Performance Measures Barclays PLC 55
Slide 57 — Shareholder Information
Results timetable1 Date 2026 Full Year Results and Annual Report 9 February 2027 % Change2 Exchange rates 30.09.26 31.12.25 30.09.25 31.12.25 30.09.25 Period end - GBP/USD 1.33 1.34 1.34 (1) % (1) % YTD average - GBP/USD 1.34 1.32 1.31 2 % 2 % 3 month average - GBP/USD 1.34 1.33 1.35 1 % (1) % Period end - GBP/EUR 1.17 1.15 1.15 2 % 2 % YTD average - GBP/EUR 1.16 1.17 1.18 (1) % (2) % 3 month average - GBP/EUR 1.17 1.14 1.15 3 % 2 % Share price data Barclays PLC (p) 458 476 380 Barclays PLC number of shares (m)3 13,379 13,867 13,996 For further information please contact Investor relations Media relations Marina Shchukina +44 (0) 20 7116 2526 Tom Hoskin +44 (0) 20 7116 4755 More information on Barclays can be found on our website: home.barclays Registered office 1 Churchill Place, London, E14 5HP, United Kingdom. Tel: +44 (0) 20 7116 1000. Company number: 48839. Registrar Equiniti, Highdown House, Yeoman Way, Worthing, West Sussex, BN99 6DA, United Kingdom. Tel +44 (0)371 384 2055 (UK and International telephone number)4 . American Depositary Receipts (ADRs) Computershare Shareowner Services, P.O. Box 43304, Providence, RI 02940-3304, United States of America General Toll Free: +1-866-723-8257 General Direct: +1-781-575-2833 www.computershare.com/investor Delivery of ADR certificates and overnight mail Computershare Shareowner Services, 150 Royall Street, Suite 101, Canton, MA 02021-1054 1 Note that this date is provisional and subject to change. 2 The change is the impact to GBP reported information. 3 The number of shares of 13,379m as at 30 September 2026 is different from the 13,372m quoted in the 1 October 2026 announcement entitled "Total Voting Rights" because the share buyback transactions executed on 29 and 30 September 2026 did not settle for cancellation until 1 and 2 October 2026 respectively. 4 Lines open 8.30am to 5.30pm (UK time), Monday to Friday, excluding UK public holidays in England and Wales. Shareholder Information Barclays PLC 56