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Barclays — Barclays PLC Results Presentation (PDF 1MB) (company IR deck)
Barclays (BCS) · 56 slides · Filed Oct 22, 2026
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Slide 1 — Q3 2026 Results Presentation
Q3 2026 Results Presentation 22nd October 2026
Slide 2 — Group Q326 financial performance
2 October 2026 Barclays Q3 2026 Results Group Q326 financial performance 1 Pro-forma for the Q326 buyback | 2 FY25 total payout of £3.7bn. At least £10bn from 2024-2026. This multi-year plan, including planned dividend of £2bn for 2026, is subject to supervisory and Board approval, anticipated financial performance and our published ratio CET1 target range of 13-14% | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Targets 2026 targets 2028 targets Statutory RoTE 11.7% 13.8% >12% >14% Total payout £0.5bn Buyback: £0.5bn £2.8bn Dividend: £0.8bn Buyback: £2.0bn Progressive increase vs. 20252 incl. planned £2bn dividend for 2026 >£15bn2 With capacity to support investment and growth 2026-2028 Investment Bank RWAs (% of Group) 56% Mid-50s% c.50% CET1 ratio 14.2% (Pro-forma: 14.0%)1 13-14% 13-14% Supporting targets and guidance Income £7.4bn £23.9bn c.£31.5bn >5% CAGR 2025-2028 Group NII excl. Investment Bank and Head Office £3.5bn £10.3bn >£13.7bn Barclays UK NII £2.1bn £6.1bn £8.1-8.3bn Cost: income 62% 57% High-50s% Low-50s% Loan loss rate (LLR) 43bps 55bps 50-60bps Through the cycle 50-60bps Through the cycle Q326 actuals Q326 YTD actuals
Slide 3 — On track for target delivery
3 October 2026 Barclays Q3 2026 Results On track for target delivery 1Includes the c.£225m gain on sale of the American Airlines portfolio. Excluding this, Q326 YTD RoTE is 13.6% for USCB and 13.4% for Group, as a result of an adjusted attributable profit of £357m and £5.7bn, respectively | 2Includes Head Office: unallocated Group equity in excess of 13.5% of RWAs | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Group RoTE 9.0% 10.5% 11.3% 12.4% >12% >14% 2023 2024 2025 Last 12 months 2026 2028 Targets Barclays UK FY26 target: >20% UK Corporate Bank FY26 target: high-teens% Private Bank & Wealth Management FY26 target: >25% Investment Bank FY26 target: c.12% US Consumer Bank FY26 target: >12% Statutory Group2 FY26 target: >12% 19.9%1 9.5% 10.9% Q326 YTD Q326 21.2% 23.5% 23.8% 20.4% 21.6% 25.4% 13.5% 11.7% 13.8%1
Slide 4 — Growing stable income streams; on track for c.£31.5bn income FY26 target
4 October 2026 Barclays Q3 2026 Results Growing stable income streams; on track for c.£31.5bn income FY26 target 1 Includes Investment Banking fees and underwriting and Intermediation | 2 Includes Global Markets Financing and Retail & Corporate income. Retail & Corporate consists of income from Barclays UK, UK Corporate Bank, Private Bank and Wealth Management, the International Corporate Bank within the Investment Bank, US Consumer Bank and Head Office | 3Based on an average of FY24, FY25, and H126 income currency mix. Percentage may vary depending on business mix and macroeconomic environment and historical outcomes may not be indicativeof future currency mix | Note:Our targets andguidance arebasedon management'scurrent expectationsas to the macroeconomicenvironmentandthe business andare subject to change| Note: Charts may not sum due to rounding| Group income (£bn) 14.0 16.8 19.1 19.7 21.5 17.2 7.9 8.2 6.3 7.0 7.6 6.7 21.9 25.0 25.4 26.8 29.1 c.31.5 23.9 2021 2022 2023 2024 2025 2026 Q3YTD More stable income streams2 Other income streams1 50% NII % of total income 42% 37% 48% 50% 48% +c.8% YoY c.50% Group income mix3 Income performance Q326 YoY (%) Q3YTD YoY (%) Group +3% +8% Other income streams +1% +9% More stable income streams +3% +8% >5% Group income CAGR target FY25-28 c.40% GBP c.40% USD c.20% Other
Slide 5 — Group NII a longer term driver of income
5 October 2026 Barclays Q3 2026 Results NII performance Q326 YoY (%) Q326 QoQ (%) Group +4% +0% Group ex IB and HO +7% +4% BUK +6% +4% UKCB +14% +6% PBWM +17% +3% USCB +3% +2% Group NII a longer term driver of income 1 Percentage of total Group NII | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Note: Charts may not sum due to rounding | 2026 Group NII excluding IB and HO guidance: >£13.7bn (£bn) 11.3 12.8 >13.7 10.3 1.7 1.7 1.3 8.1 10.6 12.7 12.9 14.5 11.6 2021 2022 2023 2024 2025 2026 Q3YTD NII (ex. IB/HO) IB/HO Structural hedge % of Group NII1 Group NII 28% 21% 17% 26% 41% 46% >45%
Slide 6 — Quality UK deposit franchise across retail and corporate
6 October 2026 Barclays Q3 2026 Results 57 56 56 57 57 57 57 100 99 98 100 99 98 97 33 35 35 37 37 40 42 191 189 189 193 193 195 195 Q125 Q225 Q325 Q425 Q126 Q226 Q326 72 71 73 72 78 81 82 85 85 87 89 88 89 87 52 52 52 52 51 51 51 191 189 189 193 193 195 195 55 49 51 53 54 53 53 455 447 452 457 463 468 468 Q125 Q225 Q325 Q425 Q126 Q226 Q326 Quality UK deposit franchise across retail and corporate Growing UK retail and corporate deposits (£bn) Barclays UK retail deposit balances and mix (£bn) 1 PBWM deposits booked in the UK. Includes Isle of Man, Jersey and Guernsey | 2 Barclays UK excluding Business Banking. Reflects customer deposits only | 3 Deposits at amortised cost in the International Corporate Bank UK within the Investment Bank. Includes Isle of Man, Jersey and Guernsey | 4 Includes Business Banking within Barclays UK, UK Corporate Bank and International Corporate Bank UK within the Investment Bank. ICB UK includes Isle of Man, Jersey and Guernsey | Note: Basis of preparation for UK split of deposits at amortised cost aligned to legal entity reporting | Note: charts may not sum due to rounding | Current accounts Savings accounts Time deposits YoY +3% Current accounts Savings accounts UK corporate deposit balances and mix4 (£bn) Time deposits -2% +1% +12% YoY +3% YoY +4% +3% 94 91 94 91 94 94 94 74 73 74 74 77 77 75 42 44 44 47 45 49 50 210 209 212 212 216 221 220 Q125 Q225 Q325 Q425 Q126 Q226 Q326 +3% Private Bank and Wealth Management UK1 Barclays UK retail2 Barclays UK Business Banking UK Corporate Bank International Corporate Bank UK3
Slide 7 — Underpinning structural hedge income growth until at least 2030
7 October 2026 Barclays Q3 2026 Results 3.9% Q326 YTD: 4.2% 2.5% Q326 YTD: 3.0% 0 2000 4000 6000 8000 10000 12000 14000 5.9 7.3 locked in 7.2 locked in 6.2 locked in 5.2 locked in 4.1 locked in 0 2000 4000 6000 8000 10000 12000 14000 2025 2026 2027 2028 2029 2030 Underpinning structural hedge income growth until at least 2030 1 UK Pound Sterling SONIA OIS Zero 7 Year Point (Bloomberg: BPSWS7 Curncy) | 2 Gross hedge income divided by period end hedge notional | 3 Refers to the contribution to NII of hedges that have already been executed | 4 Based on current position; subject to future portfolio evolution | 5 Table may not sum due to rounding. Excludes Head Office | Product Equity Gross hedge income (£bn) Continued structural hedge momentum Hedge notional (£bn) 2026-28 planning assumptions • c.£35bn maturing per year • Broadly stable notional • Reinvestment rate of c.3.5% Maturing yield4 c.2.7% c.2.1% c.1.5% >95% locked in3 49 49 52 53 54 55 197 183 184 189 189 188 246 232 236 242 243 243 FY23 FY24 FY25 Q126 Q226 Q326 c.3.2% c.3.7% GBP 7yr average swap rate1 Average hedge yield2 Income allocation5 2025 actual 2026 expected Barclays UK c.75% c.70% UK Corporate Bank c.5% c.5% Private Bank & Wealth Management c.5% c.5% Investment Bank c.15% c.15% US Consumer Bank <5% <5%
Slide 8 — UK loan growth of 7% YoY; strength across mortgages and corporates
8 October 2026 Barclays Q3 2026 Results £28bn of c.£30bn targeted UK business growth RWAs 2024-2026 deployed5; target >5% UK lending CAGR FY25-28 Momentum in Corporate and core Business Banking2 (£bn) 13 13 12 13 13 14 14 27 28 29 30 31 31 33 10 10 10 10 11 11 11 50 50 51 53 55 56 58 Q125 Q225 Q325 Q425 Q126 Q226 Q326 166 167 169 172 174 177 181 15 16 16 16 16 17 17 10 10 10 10 10 10 10 190 192 195 199 200 203 208 Q125 Q225 Q325 Q425 Q126 Q226 Q326 UK loan growth of 7% YoY; strength across mortgages and corporates Continued strong retail loan growth1 (£bn) 1 Loan balances within Barclays UK | 2 Part of Barclays UK | 3 Loans and advances at amortised cost in the International Corporate Bank UK within the Investment Bank, including Portfolio Management balances | 4 Includes Government scheme lending and Barclays UK Education, Social Housing, and Local Authority (ESHLA) balances. Barclays UK YoY corporate loan growth incl. run-off is 6% | 5 Represents RWAs from business growth but excludes the effects of securitisations, model updates and other methodological changes. Also excludes additional Operational Risk RWAs related to organic growth | Note: Basis of preparation for UK split of corporate loans and advances at amortised cost aligned to legal entity reporting | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Note: Charts may not sum due to rounding | Mortgages Personal loans Cards UK Corporate Bank Barclays UK Business Banking: core International Corporate Bank UK3 YoY -1% +6% +7% +6% YoY +11% +14% +12% +13% Barclays UK Business Banking: run-off 4 9 9 8 8 7 7 6
Slide 9 — 2026 Group cost exit run rate and 2027 expectation
9 October 2026 Barclays Q3 2026 Results 2026 Group cost exit run rate and 2027 expectation Group total costs (£bn) 1 Additional costs reflect a change in Material Risk Takers' compensation mix, towards higher variable and lower fixed pay, for awards to be granted from 2027, following regulatory changes in October 2025. Including £65m in Q326 | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Note: Charts may not sum due to rounding | 17.4 c.18.0 17.9 18.0 c.0.9 c.0.2 c.0.2 c.0.5 c.1.0 c.0.1 c.0.4 c.0.3 c.(0.8) >(1.1) 2025 Efficiency Business growth and inflation Acquisition costs Investments 2026 Efficiency Business growth and inflation Acquisition costs Investments 2027 c.18.4 Income £29.1bn CIR 61% Income c.£31.5bn CIR high-50s% Modest cost growth 2025-2028, with positive operating jaws in each year of the plan c.£0.3bn inflation £235m Motor c.£50m VAT +£0.3bn/2% YoY Run-the-bank cost Neutral Run-the-bank cost Best Egg Best Egg c.£0.4bn inflation c.£130m MRT1 £105m Motor c.£300m additional SCAs
Slide 10 — Structurally reducing the cost base to generate capacity for investment
10 October 2026 Barclays Q3 2026 Results 1.0 1.0 0.3 0.7 0.3 0.8 0.3 0.7 0.6 >1.1 2023 2024 2024 2025 2025 2026¹ 2026 2027¹ 2026 2027¹ c.5,000 FTE3, impacts c.5% of employees c.60% support functions including developers4 Organisational simplification and technology change efficiency driven by AI BUK 2027 cost: income ratio guidance of “high-40s%” Structurally reducing the cost base to generate capacity for investment (£bn) 1 Gross efficiency savings represent the full-year savings realised from SCAs and other efficiency actions undertaken in the preceding financial year. Gross efficiency savings for 2026 and 2027 are based on current expectations | 2 Operating jaws calculated using statutory total Group income and total Group operating costs | 3 Expected reduction in full-time employees from SCAs taken in FY26, subject to collective and individual consultation as required | 4 Based on SCAs taken in H2 2026 | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Note: Charts may not sum due to rounding | 76 158 139 102 64 47 279 307 c.300 2024/5 Average 2026 YTD Q4 2026 Investment Bank Barclays UK Other Expected at Feb 26 Targets Update Expected following additional structural cost actions Positive operating jaws in every year2 Outcomes of SCA spend +1% 2023 +7% 2024 +3% 2025 +c.4% 2026 expected £201m SCAs in Q3 SCAs Gross Efficiency savings1 SCAs by division (£m)
Slide 11 — Q326 LLR of 43bps; through the cycle guidance of 50-60bps
11 October 2026 Barclays Q3 2026 Results -10 40 90 140 190 Q324 Q424 Q125 Q225 Q325 Q425 Q126 Q226 Q326 Q326 LLR of 43bps; through the cycle guidance of 50-60bps 1 Includes impairment charges related to the day one impact of the Tesco Bank acquisition | 2 LLR excluding General Motors is 52bps and 436bps for Group and US Consumer Bank respectively. Impairment charge excluding General Motors is £567m and £314m for Group and US Consumer Bank respectively. Group impairment charge also included c.£110m single name in the Investment Bank | 3 Includes the impact of a £228m single name charge in the Investment Bank | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Loan loss rate (bps) Barclays UK US Consumer Bank Impairment charge (£m) Group US Consumer Bank Group Barclays UK 276 340 Q324 3792 Q325 Q326 374 503 Q324 6322 Q325 Q326 102 123 16 Q324 Q325 Q326 411 395 562 456 558 491 555 529 5052 37 61 44 48 51 43 661 572 743 3 28 14 18 13 31 27 20 491 Q326 YTD Group LLR: 55bps
Slide 12 — Barclays UK Q326 and Q326 YTD
12 October 2026 Barclays Q3 2026 Results Barclays UK Q326 and Q326 YTD Q326 Q326 YTD 1 Loans and advances to customers at amortised cost | 21.2% Statutory RoTE Q325: 21.8% £1.0bn Profit before tax Q325: £1.0bn £2.3bn Income Q325: £2.3bn £2.1bn Net Interest Income Q325: £2.0bn 54% Cost: income ratio Q325: 53% £123m Impairment Q325: £102m 20bps Loan loss rate Q325: 18bps £225.3bn Loans1 Sep-25: £213.4bn £90.6bn RWAs Sep-25: £86.7bn £246.1bn Deposits Sep-25: £241.5bn 20.4% Statutory RoTE Q325 YTD: 19.6% £2.7bn Profit before tax Q325 YTD: £2.6bn £6.9bn Income Q325 YTD: £6.4bn £6.1bn Net Interest Income Q325 YTD: £5.6bn 54% Cost: income ratio Q325 YTD: 55% £461m Impairment Q325 YTD: £339m 25bps Loan loss rate Q325 YTD: 20bps £225.3bn Loans1 Dec-25: £216.5bn £90.6bn RWAs Dec-25: £85.8bn £246.1bn Deposits Dec-25: £244.6bn
Slide 13 — Barclays UK delivered Q326 RoTE of 21.2%
13 October 2026 Barclays Q3 2026 Results 1,666 1,961 2,000 Q324 Q325 Q226 51 Structural hedge 14 Product margin (1) Deposit volume 9 Lending volume 2,073 Q326 Barclays UK delivered Q326 RoTE of 21.2% Barclays UK NII (£m) Income by business (£m) Total costs (£m) 1 Refers to year-to-date RoTE for each respective period | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Note: Charts may not sum due to rounding | RoTE (%) Retail Banking Business Banking CIR Non-NII 292 259 NIM 3.68% 3.68% 280 3.34% YoY YoY YoY +6% +4% QoQ FY26 NII guidance: £8.1-8.3bn Expect to be around the middle of the range YTD1 23.4 21.8 20.4 21.2 Q324 Q325 Q226 Q326 276 3.69% 1,006 1,198 1,195 1,271 Q324 Q325 Q226 Q326 Q324 Q325 Q226 Q326 1,946 2,253 2,259 2,349 21.4 +6% +4% +3% +5% 19.6 20.1 20.4 52% 53% 53% 54% £110m of SCAs 1,433 1,708 1,711 1,785 513 545 548 564
Slide 14 — UK Corporate Bank Q326 and Q326 YTD
14 October 2026 Barclays Q3 2026 Results UK Corporate Bank Q326 and Q326 YTD Q326 Q326 YTD 1 Excluding £39m litigation and conduct charge, cost: income ratio would be 48% for Q325 YTD | 2 Loans and advances to customers at amortised cost | 23.5% Statutory RoTE Q325: 22.8% £0.3bn Profit before tax Q325: £0.3bn £0.6bn Income Q325: £0.5bn £0.3bn Costs Q325: £0.2bn 45% Cost: income ratio Q325: 45% £2m Impairment Q325: £5m 2bps Loan loss rate Q325: 7bps £27.5bn RWAs Sep-25: £25.2bn £33.0bn Loans2 Sep-25: £29.0bn £87.2bn Deposits Sep-25: £86.7bn 21.6% Statutory RoTE Q325 YTD: 18.8% £0.9bn Profit before tax Q325 YTD: £0.7bn £1.7bn Income Q325 YTD: £1.5bn £0.8bn Costs Q325 YTD: £0.8bn 46% Cost: income ratio Q325 YTD: 51%1 £21m Impairment Q325 YTD: £36m 8bps Loan loss rate Q325 YTD: 16bps £27.5bn RWAs Dec-25: £26.5bn £33.0bn Loans2 Dec-25: £30.0bn £87.2bn Deposits Dec-25: £88.7bn
Slide 15 — UK Corporate Bank delivered Q326 RoTE of 23.5%
15 October 2026 Barclays Q3 2026 Results UK Corporate Bank delivered Q326 RoTE of 23.5% RoTE (%) 1 Refers to year-to-date RoTE for each respective period | 2 Loans and advances to customers at amortised cost | 3 LDR calculated based on customer loans and advances at amortised cost divided by customer deposits at amortised cost | Note: Charts may not sum due to rounding | Income by product (£m) Income by type (£m) Total costs (£m) Loans and deposits (£bn) Transaction banking Corporate lending Non-NII NII CIR YoY YoY -2% +14% +10% Loans2 Deposits YoY LDR3 YoY YTD1 18.8 22.8 21.3 23.5 Q324 Q325 Q226 Q326 378 432 462 482 67 90 96 91 Q324 Q325 Q226 Q326 445 522 558 573 309 383 413 437 136 139 145 136 Q324 Q325 Q226 Q326 445 522 558 573 222 234 249 258 Q324 Q325 Q226 Q326 +10% +1% +12% +10% +14% +1% 28 29 30 31 31 33 85 87 89 88 89 87 Q225 Q325 Q425 Q126 Q226 Q326 17.3 18.8 21.6 20.6 50% 45% 45% 45% 33% 33% 34% 35% 35% 38%
Slide 16 — Private Bank & Wealth Management Q326 and Q326 YTD
16 October 2026 Barclays Q3 2026 Results Private Bank & Wealth Management Q326 and Q326 YTD Q326 Q326 YTD 1 Client Assets and Liabilities refers to customer loans, deposits and investments (AUM + AUS) | 23.8% Statutory RoTE Q325: 26.4% £0.1bn Profit before tax Q325: £0.1bn £0.4bn Income Q325: £0.3bn £0.3bn Costs Q325: £0.2bn 78% Cost: income ratio Q325: 73% £8.1bn RWAs Sep-25: £7.9bn £234.0bn Client Assets & Liabilities1 Sep-25: £221.5bn £56.5bn Assets Under Management Sep-25: £51.3bn 25.4% Statutory RoTE Q325 YTD: 30.9% £0.3bn Profit before tax Q325 YTD: £0.3bn £1.1bn Income Q325 YTD: £1.0bn £0.8bn Costs Q325 YTD: £0.7bn 75% Cost: income ratio Q325 YTD: 69% £8.1bn RWAs Dec-25: £8.0bn £234.0bn Client Assets & Liabilities1 Dec-25: £227.6bn £56.5bn Assets Under Management Dec-25: £52.9bn
Slide 17 — Private Bank & Wealth Management delivered Q326 RoTE of 23.8%
17 October 2026 Barclays Q3 2026 Results 46 51 56 57 77 84 87 87 65 71 73 74 Private Bank & Wealth Management delivered Q326 RoTE of 23.8% 1 Refers to year-to-date RoTE for each respective period | 2Client Assets and Liabilities refers to loans, deposits and investments | 3Assets Under Supervision (AUS) | 4Assets Under Management (AUM) | 5Net new AUM excludes market movements and FX | Note: Charts may not sum due to rounding | RoTE (%) Private Bank Client Assets and Liabilities2 (£bn) Income by type (£m) Total costs (£m) CIR Deposits AUS3 Non-NII NII Loans YoY +1% +17% YoY +10% AUM4 Net new AUM5 (£bn) YoY +6% 14 Q324 15 Q325 15 Q226 16 Q326 202 221 230 234 221 243 267 289 221 243 267 289 221 243 267 286 Q324 Q325 Q226 Q326 29.0 26.4 26.9 23.8 Q324 Q325 Q226 Q326 YTD1 68% 189 190 216 223 137 145 150 146 Q324 Q325 Q226 Q326 326 335 366 369 +18% 29.5 73% 73% 78% 30.9 26.1 25.4 +8% +10% +5% +3% Expect costs to build QoQ in 2026 1.3 0.7 0.3 0.6
Slide 18 — Investment Bank Q326 and Q326 YTD
18 October 2026 Barclays Q3 2026 Results Investment Bank Q326 and Q326 YTD Q326 Q326 YTD 1Annualised income as a percentage of average RWAs during the relevant period | 9.5% Statutory RoTE Q325: 10.1% £1.0bn Profit before tax Q325: £0.9bn £3.1bn Income Q325: £3.1bn £2.1bn Costs Q325: £2.0bn 67% Cost: income ratio Q325: 65% £33m Impairment Q325: £144m £206.1bn RWAs Sep-25: £199.1bn 56% RWAs as % of Group Sep-25: 56% 6.1% Income/Average RWAs1 Q325: 6.3% 9bps Loan loss rate Q325: 44bps 13.5% Statutory RoTE Q325 YTD: 12.9% £4.3bn Profit before tax Q325 YTD: £3.9bn £11.1bn Income Q325 YTD: £10.3bn £6.4bn Costs Q325 YTD: £6.0bn 58% Cost: income ratio Q325 YTD: 59% £356m Impairment Q325 YTD: £283m £206.1bn RWAs Dec-25: £196.7bn 56% RWAs as % of Group Dec-25: 55% 7.3% Income/Average RWAs1 Q325 YTD: 6.9% 34bps Loan loss rate Q325 YTD: 29bps
Slide 19 — Investment Bank delivered Q326 RoTE of 9.5%
19 October 2026 Barclays Q3 2026 Results 32% FICC c.50-60% US 32% Equities c.40-50% rest of the world 21% Banking fees 14% ICB7 Business⁵ Geography ² Investment Bank delivered Q326 RoTE of 9.5% 1 Refers to year-to-date RoTE for each respective period | 2 Includes Advisory, ECM, DCM and Intermediation in Global Markets | 3 Consists of Financing and International Corporate Bank | 4 Impacted by fair value losses on lending positions of c.£85m | 5 c.50-60% of income and c.40-45% of costs in USD. Based on an average of FY24, FY25 and H126 income and costs currency mix. Range may vary depending on business mix and macroeconomic environment and historical outcomes may not be indicative of future currency mix | 6 Q326 income split | 7 International Corporate Bank | 8 Additional costs reflect a change in Material Risk Takers' compensation mix, towards higher variable and lower fixed pay, for awards to be granted from 2027, following regulatory changes in October 2025 | Note: Charts may not sum due to rounding | RoTE (%) Investment Bank income (£m) Total costs (£m) YoY +1% Other income2 More stable income streams3 +1% +2% YTD1 8.8 10.1 16.0 9.5 Q324 Q325 Q226 Q326 1,386 1,539 1,414 1,713 1,697 2,419 1,715 1,1384 Q324 Q325 Q226 Q326 2,851 3,083 3,958 3,129 10.1 12.9 13.5 15.5 Investment Bank income mix Geography5 65% Global Markets 35% Investment Banking Business6 Driving efficiency of capital 5.7% 6.3% 7.7% 6.1% 202 195 204 206 0.00 50.00 100.00 150.00 200.00 250.00 0.050 0.100 Q324 Q325 Q226 Q326 Average RWAs (£bn): Income/ Average RWAs 1,916 2,014 2,199 2,086 Q324 Q325 Q226 Q326 YoY +4% £57m of SCAs and £55m of MRTs8 67% 65% 56% 67% CIR
Slide 20 — Income up 1% YoY; strong performance in Equities offsetting weaker FICC
20 October 2026 Barclays Q3 2026 Results Income by product (£m) Income up 1% YoY; strong performance in Equities offsetting weaker FICC Global Markets 1 Includes Advisory, ECM and DCM | 2 Impacted by fair value losses on lending positions of c.£85m in Q324 | 3 Impacted by £39m of LevFin marks and higher hedging costs | 4 Transaction Banking forms part of the International Corporate Bank, while the remaining balance of International Corporate Bank is Corporate Lending | -3% YoY DCM ECM Advisory YoY -19% -19% USD +47% +47% USD YoY +23% +23% USD -8% -8% USD +13% +13% USD Income (£m) Investment Banking YoY +1% +1% USD +8% +8% USD +4% YoY +4% USD Int. Corporate Bank -8% Income by type (£m) Transaction Banking4 Investment Banking fees +2% USD YoY1 1,180 1,256 1,471 1,012 692 689 1,261 1,010 Q324 Q325 Q226 Q326 Equities FICC 1,872 1,945 2,732 2,022 492 479 344 379 402 347 64 71 157 87 186 196 188 222 3852 Q324 Q325 Q226 4513 Q326 979 1,138 1,226 1,107 +4% YoY 753 894 1,060 963 1,119 1,051 1,672 1,059 Q324 Q325 Q226 Q326 Financing Inter- mediation 1,872 1,945 2,732 2,022 +4% USD +9% 406 424 442 464 Equities share of Markets income 50% 48% Financing share of Markets income 46% 35% 37% 39% 46% 40%
Slide 21 — US Consumer Bank Q326 and Q326 YTD
21 October 2026 Barclays Q3 2026 Results US Consumer Bank Q326 and Q326 YTD Q326 Q326 YTD 1 Includes c.£225m gain on sale of American Airlines portfolio. Excluding this gain, Q326 YTD USCB RoTE is 13.6%, as a result of an adjustedattributable profit of £357m | 2 Total ENR, includes managed and reported ENR | 10.9% RoTE Q325: 13.5% £0.1bn | $0.2bn Profit before tax Q325: £0.2bn | $0.2bn $41.8bn End net receivables2 Sep-25: $35.9bn £0.9bn | $1.2bn Income Q325: £0.9bn | $1.3bn 13.7% Net Interest Margin Q325: 11.5% £0.5bn | $0.6bn Costs Q325: £0.4bn | $0.5bn 50% Cost: income ratio Q325: 43% £340m | $457m Impairment Q325: £379m | $508m 529bps Loan loss rate Q325: 505bps £24.3bn | $32.3bn RWAs Sep-25: £25.8bn | $34.7bn 19.9%1 RoTE Q325 YTD: 9.4% £0.7bn | $1.0bn Profit before tax Q325 YTD: £0.3bn| $0.4bn $41.8bn End net receivables2 Dec-25: $37.6bn £3.0bn | $4.1bn Income Q325 YTD: £2.6bn | $3.5bn 13.2% Net Interest Margin Q325 YTD: 11.0% £1.3bn | $1.7bn Costs Q325 YTD: £1.2bn | $1.6bn 42% Cost: income ratio Q325 YTD: 46% £1.1bn | $1.4bn Impairment Q325 YTD: £1.1bn | $1.4bn 552bps Loan loss rate Q325 YTD: 489bps £24.3bn | $32.3bn RWAs Dec-25: £27.4bn | $36.9bn
Slide 22 — US Consumer Bank delivered Q326 RoTE of 10.9%
22 October 2026 Barclays Q3 2026 Results US Consumer Bank delivered Q326 RoTE of 10.9% 1 Refers to year-to-date RoTE calculated in each respective year | 2 Includes a c.£225m gain on sale of the American Airlines portfolio. Excluding this gain, USCB RoTE is 10.5% in Q2 2026, 14.9% in H1 2026, and 13.6% in Q3 2026 YTD, as a result of an adjusted attributable profit of £87m, £263m, and £357m, respectively and cost: income in Q2 2026 would have been 49% | 3 Includes credit card receivables sold to Blackstone in Q124 and receivables from c.$10.5bn of loans serviced by Best Egg | Note: Charts may not sum due to rounding | RoTE (%) Total costs (£m) Income by type (£m) End net receivables ($bn) CIR YoY -17% -17% USD -1% -1% USD +3% +3% USD YoY Managed ENR3 Reported ENR RoTE for Q226 incl. c.£225m gain on sale YoY +16% 34.9 36.6 35.2 29.7 30.5 11.4 11.3 1.0 Q325 1.0 Q425 1.0 Q126 Q226 Q326 35.9 37.6 36.2 41.2 41.8 393 407 444 462 Q324 Q325 Q226 Q326 YTD1 +14% +14% USD 10.9 13.5 10.5 10.9 Q324 Q325 Q226 Q326 8.4 9.4 19.92 24.22 30.22 647 726 732 749 144 215 179 Q324 Q325 4042 Q226 Q326 791 941 1,136 928 NIM 10.4% 11.5% 13.2% 13.7% NII Non-NII 50% 43% 39%2 50%
Slide 23 — Operational progress in building a multi-product US Consumer Bank
23 October 2026 Barclays Q3 2026 Results 63 64 69 76 82 84 14.5 15.0 19.3 19.1 23.6 23.9 2023 2024 2025 Q126 Q226 Q326 Increased funding from core deposits Operational progress in building a multi-product US Consumer Bank 1Total End Net Receivables. Includes branded cards | 2 Organic growth represents the increase in outstanding receivables, excluding receivables acquired through acquisitions, new partnerships and partnership exits | 3 Best Egg acquisition completed on 1 May 2026 | 4 Retail percentage of credit card reported end net receivables including branded | 5 Total consumer loans End Net Receivables. 2023- Q3 2026 reflects personal loans originated by Barclays | Balance growth($bn)1 +6% YoY +1% QoQ 32.1 34.1 37.2 35.8 29.7 30.0 2023 2024 2025 Q126 Q226 Q326 Rebalancing card mix towards retail4 (%) 17.3 20.3 24.4 26.4 26.6 26.6 2023 2024 2025 Q126 Q226 Q326 Partnership cards franchise Digital-only deposit franchise Consumer lending platform (% of total funding) 0.1 0.2 0.4 0.4 11.5 11.8 2023 2024 2025 Q126 Q226 Q326 Growing total loan balances5 ($bn) Strong originations through Best Egg ($bn)3 6.1 6.7 7.3 1.5 1.9 2.0 2023 2024 2025 Q126 Q226 Q326 +53% since 2023 +15%YoY 0% QoQ Strong retail deposit growth ($bn) 2023 2024 2025 Q226 Q326 Q126 Sale of c.$6.5bn of AA receivables Organic growth2 $5.4bn YTD
Slide 24 — Capital generation supporting higher distributions
24 October 2026 Barclays Q3 2026 Results Capital generation supporting higher distributions 1 Reflects capital benefit from attributable profit generation divided by prior period RWAs | 2 This multi-year plan, including planned dividend of £2bn for 2026, is subject to supervisory and Board approval, anticipated financial performance and our published CET1 ratio target range of 13-14% | 3 Comprises £3.0bn in 2024, £3.7bn in 2025, £2.0bn of buyback YTD in 2026 and c.£2bn dividend planned for 2026, excluding any buyback in Q426 | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | 9.0% 10.5% 11.3% >12% >14% 14.0% Q3 proforma CET1 ratio Pillar 2A reduction of 59bps (£bn) Supporting higher distributions2 Higher capital generation (bps)1 RoTE Targets 127 155 172 c.200 >230 2023 2024 2025 2026 2028 Q326 YTD: 164bps 3.0 3.0 3.7 2.0 YTD buyback c.2.0 FY26 planned dividend Q4 buyback 2023 2024 2025 2026 2027 2028 At least £10bn target (£10.7bn planned pre any Q4 buyback3) >£15bn target 30-55bps 59bps CET1 impact of Basel 3.1 MDA reduction from Pillar 2A • Pillar 2A reduction now expected to offset RWA inflation of Basel 3.1 • Current plan based on operating at top end of 13- 14% CET1 range • New clarity on MDA reduction to 11.6% provides greater flexibility • Will update on CET1 operating levels within 13-14% range at FY26 MDA 12.2% £8-15bn RWA inflation From 1 January 2027
Slide 25 — +32%
25 October 2026 Barclays Q3 2026 Results High-single digit revenue growth Double digit EPS growth Buybacks reducing share count +71% L12M Buybacks vs. 2023¹ −12% Share count vs. 2023 +85% L12M EPS growth vs. 2023¹ TNAV + DPS² +32% since Dec-23 | c.11% CAGR Earnings growth compounding shareholder returns 1EPS and buyback growth reflect last 12 months of cumulative EPS and buyback announced vs. FY23. Share count reflects period end shares vs. Dec-23 | 2TNAV per share plus cumulative DPS paid since 31st December 2023. Dividends: FY23 2.7p, H124 interim 2.9p, FY24 5.5p, H125 interim 3.0p, FY25 5.6p, H126 interim 5.9p. TNAV: Dec-23 331p, Dec-24 357p, Dec-25 409p, Sep-26 410p. CAGR over Dec-23 to Sep-26 (2.75 years) | 6% 9% 8% 2024 2025 2026 YTD 30% 21% 23% 2024 2025 2026 YTD Positive cost jaws 7% 3% 4% 2024 2025 2026 YTD 331 363 423 436 Dec-23 Dec-24 Dec-25 Sep-26 TNAV Cumulative DPS
Slide 26 — 12.4%
26 October 2026 Barclays Q3 2026 Results Delivering on our 2026 targets 1 Comprises total announced distributions of: £3.0bn in 2024, £3.7bn in 2025, £2.8bn Q3 YTD 2026 | 2 Original target of c.£30bn at February 2024 Investor Update, which was previously upgraded to c.£31.5bn at H126 Results | 3 Includes c.£225m gain on sale of American Airlines portfolio. Excluding this gain, USCB RoTE for the last 12 months is 14.2%, as a result of an adjusted attributable profit of £501m and the FY26 target is c.12% | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Group targets RoTE 12.4% last 12 months Target >12% On track Distributions £9.5bn1 2024 – Q326 YTD At least £10bn On track UK business RWA growth £28bn 2024 – Q326 YTD c.£30bn On track Income £30.9bn Last 12 months c.£31.5bn2 On track Cost: income ratio 59% last 12 months High-50s% On track Divisional RoTEs Barclays UK Target Last 12 months >20% 21.3% UK Corporate Bank High-teens 21.0% Private Bank & Wealth Management >25% 22.2% Investment Bank c.12% 11.1% US Consumer Bank >12%3 18.9%3
Slide 27 — UK retail growth from investments in customer service and product quality
27 October 2026 Barclays Q3 2026 Results Highest Premier eligible NPS vs. UK banks with a Premier account offering5 UK retail growth from investments in customer service and product quality Building products to serve a range of customers Premier NPS drives growth in most valuable deposit segment Barclays UK retail deposit balances (£bn) 50 54 58 62 185 191 193 195 2023 2024 2025 Q326 1Barclays mortgage growth to September 2026. Market mortgage growth to August 2026, based on latest available data. Barclays mortgage balance growth includes the impact of securitisations | 2Source: BoE data, LPMVTXH up to August 2026 | 3Mortgage broker NPS score. (3 month rolling average September 2026 and August 2022) | 4© Ipsos 2026, Financial Research Survey (FRS), for the 12 months ended 31 August 2026 (compared to December 2023). The survey contacts around 50,000 adults (aged 16+) a year in total across Great Britain considering (and weighted to) the overall profile of the adult population. Results are based on Barclays 'Premier' main current account customers n=987 (645) | 5© Ipsos 2026 data per footnote 4. Results are based on 'Premier Eligible' main current account customers, defined as £75,000+ gross annual income OR £100,000+ in total savings & investments, for Barclays this represents 2,450 respondents. The UK bank peers include Barclays, Halifax, HSBC, Lloyds Bank, NatWest & Santander | 6To be eligible for Premier, a customer needs to have a current account with Barclays and either pay in a gross annual income of at least £75,000 or have a total balance of £100,000 savings with Barclays in eligible investments or a mix of both. Planning and Advice is available to Premier customers with a minimumof £150,000available to invest | 7Segment of Barclays UK customer base identified ashavinghigh income or asset levels | 8Based on internalmodels | A high quality experience driving above market growth Premier6 Mass- Affluent7 +23% +5% Growth since 2023 c.20% of card acquisitions growth from c.£2bn to c.£6bn balances since acquisition c.20% of card acquisitions Deepens relationships incl. with Premier customers Market growth1,2 Barclays mortgage growth1 Mortgage market share2 10.4% Q326 10.1% 2023 Implemented a low cost, high quality wealth proposition No upfront advice charges For Premier Planning and Advice6 Zero Custodian feesfor Direct Investing -51 2022 70 2026 Broker NPS3 +32 2026 +10 2023 c.400k Customers identified could benefit from Planning and advice8 +5% +11% Q424 Q125 Q225 Q325 Q425 Q126 Q226 Q326 Barclays Premier NPS4
Slide 28 — Largest integrated UK corporate franchise driving above market growth
28 October 2026 Barclays Q3 2026 Results +12% +19% +30% Q424 Q125 Q225 Q325 Q425 Q126 Q226 Q326 1 Includes UK Corporate Bank, International Corporate Bank UK (part of Investment Bank) and Business Banking (part of Barclays UK) as at Q326. Based on Barclays calculations using peer reported financials as of Q226. Peers include: Lloyds Commercial, NatWest Commercial and Institutional, and HSBC UK Commercial Banking and UK Corporate and Institutional Banking | 2 Measured using BoE data to August 2026, based on latest available data: RPMZ8YJ for outstanding lending and LPMVVID for deposits | 3 With companies with £1m - £6.5m turnover | 4 Excludes Business Banking run-off, which relates to Government scheme lending and Barclays UK Education, Social Housing, and Local Authority (ESHLA) balances | Note: Charts may not sum due to rounding | Note: Loans and advances at amortised cost in International Corporate Bank UK within the Investment Bank includes Portfolio Management balances | Largest integrated UK corporate franchise driving above market growth Advanced, full-service capability to UK businesses Largest UK corporate deposit franchise1 (£bn) UKCB loan growth Consistently growing share 220 Barclays Peer #1 Peer #2 Peer #3 UK Corporate Bank Barclays UK: Business Banking IB: International Corporate Bank UK UKCB lending share2 9.7% Q326 9.0% 2023 22% main bank share3 c.22% deposit market share2 c.70% of FTSE 100 are clients Small businesses Barclays UK: Business Banking Medium and large enterprises UK Corporate Bank FTSE 350 Investment Bank: ICB UK The only UK Investment Bank UK corporate franchise1 ex run-off4 Market growth2 With significant capacity to grow lending1 Loan to deposit ratio 29% 38% UK corporate franchise¹ UKCB Peer #1 Peer #2 Peer #3
Slide 29 — Structurally stronger and more diversified Investment Bank
29 October 2026 Barclays Q3 2026 Results 2.9 3.0 3.5 3.9 2023 2024 2025 Last 12 months 6.2% 6.0% 6.8% 7.3% 4.6% 5.5% 6.1% 6.1% 5.5% 5.8% 6.6% 6.8% 2023 2024 2025 Last 12 months 199 203 199 204 Structurally stronger and more diversified Investment Bank 1 Based on Barclays' analysis using internal and external sources. 2021 and 2023 as reported at 20th February 2024 Investor Update. 2025 as reported at 10th February 2026 Targets Update. Latest represents FY25 data | 2 Coalition Greenwich Competitor Analytics FY25 & FY23 (Liquid Financing rank as of FY25, Focus business share as of FY25 and FY23). Revenues are based on the following banks: BofA, Barclays, BNPP, CITI, DB, GS, JPM, MS and UBS. This analysis is based on Barclays’ internal business structure and internal revenues. Liquid Financing includes quantitative prime services, futures clearing and settlement, prime brokerage margin lending, fixed income securities repurchase agreements and synthetics. Focus businesses comprise European Rates, Equity Derivatives and Securitised Products Trading | 3 Q326 YTD vs Q323 YTD. Analysis is based on Barclays’ internal business structure and internal revenues | Driving capital productivity By deepening relationships with most profitable clients Growing stable income from Financing Growing Equities to diversify revenue Income / Average RWAs (%) Average IB RWAs (£bn): (£m) c.90%3 Equities growth driven by Prime and Derivatives +70bps share increase in focus businesses2 4,121 4,199 1,942 3,387 Q3 YTD 2023 Q3 YTD 2026 Equities share of Markets income: 45% Equities FICC 30 49 62 66 Target: 70 2021 2023 2025 Latest 2026 Investment Banking Global Markets (£bn) #5 ranked globally for Liquid Financing2 98 of Top 100 clients have a Financing relationship 32% Investment Bank Top 5 rank with Top 100 Global Markets Clients1
Slide 30 — 30
30 October 2026 Barclays Q3 2026 Results Why Barclays 1 This multi-year plan is subject to supervisory and Board approval, anticipated financial performance and our published CET1 ratio target range of 13-14% | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Serving >40 million UK and US retail customers; The ‘Premier’ UK bank and digital-only multi-product US bank 1 2 Driving operating leverage, by adopting digital and AI at scale 4 5 Consistent delivery towards >14% RoTE by 2028, with compounding earnings growth building foundations for an all-weather RoTE beyond 2028 Strong capital generation funding >£15bn shareholder returns 2026-20281 6 Largest UK corporate bank by deposits, serving the full continuum of corporates, with differentiated capacity to drive loan growth 3 Top-tier Investment Bank, operating in core UK and US markets, building sustainably higher returns by increasing productivity
Slide 31 — Q&A
Q&A
Slide 32 — Appendix
Appendix
Slide 33 — Divisional statutory RoTE and RWA mix since 2023
33 October 2026 Barclays Q3 2026 Results Statutory RoTE 2023 2025 2026 2028 Barclays UK UK Corporate Bank Private Bank & Wealth Management Investment Bank US Consumer Bank 19% 21% >20% >20% Divisional statutory RoTE and RWA mix since 2023 Note: The pie charts represent the percentage of RWAs in each respective business as a proportion of Group RWAs | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Note: Current guidance on regulatory driven RWA inflation remains our best estimate and is subject to revision | 4% 11% >12% Mid-teens % 7% 11% c.12% >13% 33% 26% >25% >25% 21% 19% High- teens % >20% Q3 2026 YTD vs. 2023 £28bn of c.£30bn UK business growth RWAs Broadly stable RWAs UK lending CAGR target of >5% (2025 to 2028) 56% 58% 7% 7% Improving mix Improving returns Business growth RWAs 34% 30%
Slide 34 — Divisional cost: income ratios and targets to 2028
34 October 2026 Barclays Q3 2026 Results Barclays UK UK Corporate Bank Private Bank & Wealth Management Investment Bank US Consumer Bank Group4 63% 62% 61% High-50s% Low-50s% 50% 55% 51% High-40s% Low-40s% Divisional cost: income ratios and targets to 2028 1 Excludes Q423 structural cost actions of £927m (Barclays UK: £168m, UK Corporate Bank: £27m, Private Bank & Wealth Management: £29m, Investment Bank: £169m, US Consumer Bank: £19m) | 2 Includes day one income gain on acquisition of Tesco Bank of £0.6bn. Excluding this, cost: income ratio was 56% | 3 UK Wealth transferred to PBWM from BUK on 1st May 2023. 2024 CIR reflects first full year of transfer | 4 Includes Head Office | Note: Our targets and guidance are based on management's current expectations as to the macroeconomic environment and the business and are subject to change | Underpinned by >£2.0bn of cost efficiency savings across 2026-2028 Cost: income ratio 56% 52%2 56% Low-50s% Mid-40s% 64% 70%3 73% Mid-70s% High-60s% 50% 49% 45% Mid-40s% Low-40s% 69% 67% 62% c.60% High-50s% 2026 2028 2025 20231 2024
Slide 35 — UK economic trends
35 October 2026 Barclays Q3 2026 Results 0% 1% 2% 3% 4% 5% 6% 7% -3% 2% 7% 12% 17% UK economic trends Constructive macro backdrop in the UK1 UK corporate debt-to-GDP at a multi-decade low2 1 All datapoints express YoY growth for Q226. Source: Refinitiv (GBGDFY=ECI, EUGDPY=ECI, aUSCGDPYD/A, EUHICY=ECI, USCPNY=ECI, GBAVGW=ECI, EUWAGY=ECI, USAVHE=ECI, GBNHP=ECI, aXZHPRICET/C, aUSHPIYAR, GBILOU=ECI, EUUNR=ECI, USUNR=ECI), ONS (Table 38 CPI) as of 15 October 2026, ONS (YBHA) Eurostat (tipsna15) and BEA (Table 1.1.5 GDP) as of 15 October 2026 | 2 Source: BIS, UK credit to non-financial corporations as a % of GDP (https://data.bis.org/topics/TOTAL_CREDIT/data) as of 15 October 2026 | 3 All datapoints express YoY growth for Aug-26 and 6m prior (Feb-26). Source: BoE (LPMVWNZ, LPMVWNU), ECB (https://data.ecb.europa.eu/publications/money-credit-and-banking/3031822) and FRED St. Louis Fed (CONSUMER, BUSLOANS) as of 15 October 2026 | 4 Source: Barclays Business Prosperity Index Manufacturing Deep Dive, as of 17 September 2026 https://www.barclayscorporate.com/insights/business-prosperity-index/uk-manufacturing/| 5 Source: Barclays Pre-Budget Business Survey, as of 08 October 2026 https://home.barclays/insights/2026/10/Lets-End-The-Budget-Merry-Go-Round/| 40% 50% 60% 70% 80% 90% 100% 1995 2000 2005 2010 2015 2020 2025 -1% 0% 1% 2% 3% 4% 5% 6% 7% Unemployment rate House Price Index Real wage growth Real GDP Nominal GDP US UK Eurozone Strong loan growth across UK households3 Strong rebound in UK corporate loan growth3 Aug-26 6m prior 76% of UK manufacturers have extended their investment planning horizon4 >60% of businesses are currently delaying investment decisions while awaiting clarity from the UK Budget5
Slide 36 — Group deposits +4% YoY in Q326
36 October 2026 Barclays Q3 2026 Results QoQ YoY Since FY23 Investment Bank £166bn +3% +9% +25% of which: International Corporate Bank1 £128bn +7% +15% +48% UK Corporate Bank £87bn -2% +1% +3% Barclays UK: Business Banking £51bn 0% -2% -9% QoQ YoY Since FY23 Barclays UK: Retail Banking £195bn +1% +3% +5% Private Bank and Wealth Management £74bn +2% +5% +23% US Consumer Bank £25bn +2% +6% +27% of which: retail deposits ($bn)2 $27bn 0% +15% +53% Group deposits +4% YoY in Q326 Group deposit base £599bn, +1% QoQ, +12% since 2023 1 Excludes deposits from Banks | 2 Includes customer retail savings deposits and customer retail certificates of deposit | 3 Includes current accounts for BUK Personal Banking, BUK Business Banking, and operational accounts for International Corporate Bank, UK Corporate Bank and Private Bank & Wealth Management | Note: Charts may not sum due to rounding | 279 284 289 291 292 294 286 291 297 296 303 305 565 575 586 588 594 599 Q225 Q325 Q425 Q126 Q226 Q326 Corporates & SME Consumer 48% insured, c.35% transactional accounts3, c.62% covered by liquidity pool
Slide 37 — Barclays UK deposit balances and mix since 2019
37 October 2026 Barclays Q3 2026 Results Barclays UK deposit balances and mix since 2019 1 Includes Tesco Bank from Q424 onwards | Note: Charts may not sum due to rounding | Note: Data has not been restated to reflect historic perimeter changes | Current accounts Savings accounts Time deposits Business Banking Retail banking 44 45 46 46 49 53 56 59 62 65 66 67 68 68 69 68 65 63 61 60 59 58 56 57 57 56 56 57 57 57 57 102 102 102 103 103 108 109 112 117 120 121 123 123 124 123 120 113 109 103 101 99 97 96 100 100 99 98 100 99 98 97 9 10 10 10 10 9 9 8 8 7 6 6 6 5 6 8 16 18 22 24 25 29 31 35 33 35 35 37 37 40 42 43 45 45 46 46 56 59 61 61 64 64 64 64 64 64 62 60 59 57 56 54 54 53 53 52 52 52 52 51 51 51 197 201 203 206 208 226 232 241 248 256 257 261 260 262 261 258 254 250 243 241 237 237 236 244 243 241 242 245 244 246 246 Q119 Q219 Q319 Q419 Q120 Q220 Q320 Q420 Q121 Q221 Q321 Q421 Q122 Q222 Q322 Q422 Q123 Q223 Q323 Q423 Q124 Q224 Q324 Q424¹ Q125 Q225 Q325 Q425 Q126 Q226 Q326 £bn More than 80% of Retail Current Account relationships >5 years
Slide 38 — Group RWAs +£5.0bn in Q326
38 October 2026 Barclays Q3 2026 Results 340.4 357.4 364.8 369.8 Q324 Q325 Q226 1.6 Barclays UK 0.9 UK Corporate Bank 0.1 Private Bank & Wealth Management 1.9 Investment Bank 0.0 US Consumer Bank 0.4 Head Office Q326 Group RWAs +£5.0bn in Q326 Risk weighted assets (£bn) Note: Chart may not sum due to rounding | IB % of Group: 56% 56% 57% 56%
Slide 39 — Guidance on regulatory driven RWA inflation
39 October 2026 Barclays Q3 2026 Results Guidance on regulatory driven RWA inflation c.£19-26bn total expected RWA impact 1 Fundamental Review of the Trading Book | • Migration of the US credit cards book to an IRB model • Remains subject to portfolio changes and regulatory approval • Minimal change in Pillar 2A expected following model implementation USCB IRB migration: c.£11bn 1st January 2027 • FRTB1 impact mostly expected in 2027. Expect to use option to defer elements of FRTB to 2028 • 59bps offset in CET1 Pillar 2A on 1st January 2027 • Output floor not expected to be binding at any point Basel 3.1: c.£8-15bn H2 2027
Slide 40 — CET1 ratio in relation to our minimum requirements
40 October 2026 Barclays Q3 2026 Results CET1 ratio in relation to our minimum requirements Note: Chart may not sum due to rounding and excludes any applicable PRA buffer | Q326: CET1 minimum requirements MDA CCyB CCB G-SII Pillar 2A Pillar 1 4.5% 4.5% 2.7% 2.1% 1.5% 1.5% 2.5% 2.5% 1.0% 1.0% 12.2% 11.6% Current 1st January 2027 • Have been operating around the top end of our 13-14% CET1 target range • Pillar 2A requirement to reduce by 59bps on 1st January 2027 • Will update on CET1 operating levels within 13-14% range at FY26 results
Slide 41 — CET1 ratio of 14.2% (14.0% pro-forma) in Q326
41 October 2026 Barclays Q3 2026 Results 14.3% 14.1% 14.2% 14.0% 45bps (27bps) (14bps) (20bps) (0bps) (14bps) Q226 Q226 announced buyback Pro-forma Attributable profit Dividend accrual RWA excl. FX Other incl. FX Q326 Q326 announced buyback Pro-forma CET1 ratio of 14.2% (14.0% pro-forma) in Q326 Note: Chart may not sum due to rounding | Q326 CET1 ratio movements (%) Q326 YTD: 164bps capital generation
Slide 42 — Global Markets: VaR and daily income distribution
42 October 2026 Barclays Q3 2026 Results Global Markets: VaR and daily income distribution 1 Quarterly 95% Daily Average VaR as at 30th September 2026 excluding UK holidays | 2 Shows daily VaR backtesting gains and losses on positions included in Management VaR and excludes non-trading books and other components in revenue | 3 Markets loss days is a broader metric reflecting days where Markets recorded losses in total net revenues, which includes revenue related to trading and non-trading positions | VaR Average Q3 YTD: 2021-25 Q326 YTD2 <£0m £0-15m £16-30m £31-50m £50m+ Average Q3 YTD: 2021 –25 2 34 81 56 17 Q326 YTD 7 34 65 61 22 Daily income distribution Russia/ Ukraine US banking crisis Average VaR1 £21m VaR backtesting2 Average Q3 YTD: 2021 –25 1 Q326 YTD 2 • Daily trading gains and losses: 6 loss days in Q3, average c.£7m (reflects VaR backtesting inputs2) • Markets income loss days: 2 loss days in Q3 (includes total net revenues e.g. financing and fees & commissions3) Daily trading gains and losses Loss days Markets income3 £0m £20m £40m £60m Q321 Q322 Q323 Q324 Q325 Q326
Slide 43 — Investment Bank: growing stable income streams, seasonal intermediation
43 October 2026 Barclays Q3 2026 Results 514 540 546 561 640 747 788 696 802 813 740 573 700 794 753 757 836 912 894 872 1,027 1,060 963 312146 289 326 297 188 119 260 474 522 489 372 424 495 385 455 567 419 492 459 442 479 451 859873 971 956 648 554 533 480 603 472 375 510 617 679 594 614 644 568 646 606 754 747 656 1,622 1,132 1,014 486 2,056 1,435 1,470 720 1,690 936 1,082 582 1,587 1,051 1,119 781 1,826 1,408 1,051 855 1,805 1,672 1,059 Q121 Q221 Q321 Q421 Q122 Q222 Q322 Q422 Q123 Q223 Q323 Q423 Q124 Q224 Q324 Q424 Q125 Q225 Q325 Q425 Q126 Q226 Q326 Investment Bank: growing stable income streams, seasonal intermediation Intermediation International Corporate Bank Financing Investment Banking fees Note: Q222 and Q322 intermediation income excludes £758m gain and £467m loss respectively from over-issuance of securities | 3,307 2,691 2,820 2,329 3,641 2,924 2,910 2,156 3,569 2,743 2,686 2,037 3,328 3,019 2,851 2,607 3,873 3,307 3,083 2,792 4,028 3,958 3,129 Income (£m) Intermediation: 67% average reduction Q1-Q4 Total income: 38% average reduction Q1-Q4 Intermediation: 52% average reduction Q1-Q4 Total income: 25% average reduction Q1-Q4 Stable income % of IB costs: 2021: 50 2023: 62 2022: 45 2025: 67 Q3 YTD: 69 2024: 60
Slide 44 — Coverage ratio and delinquency trends across our credit card portfolios
44 October 2026 Barclays Q3 2026 Results 10.7 8.6 9.0 9.6 10.6 16.0 17.0 16.4% 14.8% 9.7% 6.3% 5.6% 4.8% 4.3% Q320 Q321 Q322 Q323 Q324 Q325 Q326 15.6 15.2 23.8 24.1 22.9 25.0 21.3 14.2% 11.5% 8.3% 9.7% 10.4% 9.8% 11.0% Q320 Q321 Q322 Q323 Q324 Q325 Q326 Coverage ratio and delinquency trends across our credit card portfolios UK cards1 US cards2 1 Includes Tesco Bank cards from Q424 onwards | 2 Includes a co-branded card portfolio classified as assets held for sale between Q424 and Q126 | 3 Loans and Advances (L&A) | Continued low and stable delinquencies Broadly stable delinquencies Total coverage Net L&A3 (£bn) 1.7% 0.9% 0.8% 0.3% Q320 Q321 Q322 Q323 Q324 Q325 Q326 2.3% 2.9% 1.1% 1.5% Q320 Q321 Q322 Q323 Q324 Q325 Q326 Total coverage Net L&A3 (£bn) 90 day 30 day 90 day 30 day 28.5% 36.8% 29.3% 16.1% 21.5% 19.1% 20.5% Stage 2 coverage 28.6% 28.4% 35.1% 35.0% 27.8% 26.5% 28.3% Stage 2 coverage
Slide 45 — US Cards credit trends: broadly stable QoQ
45 October 2026 Barclays Q3 2026 Results 30 day US cards delinquencies USCB loan loss rate1 (bps) Total USCB coverage ratio6 IFRS9 CECL7 USCB reserve build2 (£m) USCB write offs3 (£m) 90 day US cards delinquencies US Cards credit trends: broadly stable QoQ 1 For Q326, Gross Loans and Advances for USCB was £25.5bn | 2 Expected Credit Loss in anticipation of future write-offs | 3 Typically 18 months after an account misses their first payment | 4 Post model adjustment for elevated US macroeconomic uncertainty | 5 Includes impairment charges related to the day one impact of the General Motors acquisition. Q325 USCB LLR excluding General Motors is 436bps | 6 Includes a co-branded card portfolio classified as assets held for sale between Q424 and Q126. Other metrics unaffected | 7 Current expected credit losses (CECL) represents impairment reserve based on lifetime expected losses as a percentage of end net receivables | Note: This slide reflects US Consumer Bank financial results, except for 30 and 90 day delinquencies which are US Cards financials | 8.1% 8.1% 8.3% 7.8% 7.9% 8.1% 8.3% 9.0% 10.3% 9.8% 10.4% 10.0% 9.7% 9.6% 10.1% 10.8% 3.0% 3.0% 3.0% 2.8% 2.9% 3.0% 3.1% 2.9% 2.9% 1.6% 1.6% 1.6% 1.6% 1.5% 1.6% 1.7% 1.6% 1.5% 411 395 562 456 5055 558 491 555 529 231 212 231 250 241 235 248 265 257 45 86 130 62 73 196 119 81 83 Q324 Q424 384 Q125 Q225 655 Q325 Q425 Q126 Q226 Q326 276 298 399 312 379 431 367 346 340 11.1% 8.9%
Slide 46 — Credit quality metrics for our US Cards book
46 October 2026 Barclays Q3 2026 Results 12% 12% 12% 12% Q425 Q126 Q226 Q326 0% 5% 10% 15% 20% 25% 0% 2% 4% 6% 8% 10% 28% 28% Q319 Q326 Credit quality metrics for our US Cards book 1 Source: FRED (St. Louis Fed) data | 2 Based on US cards open customer accounts | 3 Each line represents one of the other top-9 largest US issuers, by receivables - data sourced from external disclosures | 4 Payment rates defined as current period payments as a percentage of prior period end outstanding balances | 5 Reflects FICO distribution based on ending net receivables for customer credit cards | 6 Reflects FICO distribution based on new accounts acquired during specified period for customer credit cards | Note: Charts may not sum due to rounding | US consumer indebtedness lower versus historic levels1 Our book is positioned in the super-prime segment Delinquency rates compare well to other US card issuers Consistent, high-quality book over time Revolving debt as % of income USCB 30d delinquencies Top US issuers 30d delinquencies3 USCB average FICO Pandemic 2008 crisis 14% 14% 43% 44% 44% 42% Q319 Q326 New account acquisitions <660 FICO6 <660 660-740 FICO mix across book5 Payment rates across book4 Cash balances as % of income 540 590 640 690 740 790 2014 2016 2018 2020 2022 2024 Q326 Deep Subprime Subprime Near Prime Prime Super-prime >740 2008 2010 2012 2014 2016 2018 2020 2022 2024 H126 Q326 USCB average FICO: 7552 0% 2% 4% 6% 2014 2016 2018 2020 2022 2024 Q226
Slide 47 — Balance sheet provisions and credit impairment charges
47 October 2026 Barclays Q3 2026 Results Balance sheet provisions and credit impairment charges Balance sheet provisions for ECL (£bn) Credit impairment charges (£m) 1 Includes debt securities | Note: Charts may not sum due to rounding | 5.5 5.4 0.4 0.4 6.0 5.8 Q226 Q326 Total coverage ratio (on-balance sheet) Gross exposure on balance sheet (£bn)1 450.4 459.8 1.2% 1.2% Off-balance sheet On-balance sheet Barclays UK US Consumer Bank Investment Bank UK Corporate Bank Management adjustments (£m) 289 153 76 66 Of which: economic uncertainty adjustments Private Bank & Wealth Management 346 340 44 33 160 123 5 16 Q226 5 Q326 571 503 2
Slide 48 — Mortgage portfolio mix and Kensington capabilities
48 October 2026 Barclays Q3 2026 Results Mortgage portfolio mix and Kensington capabilities Mortgage portfolio Kensington adding capabilities to Barclays UK 1 High loan-to-value mortgages reflecting 85%+. Based on residential flow completions | 2 Buy to Let (BTL) | Total mortgage portfolio Q326 c.£181bn • 56.9% average balance weighted LTV of mortgage stock o 43.1% average valuation weighted LTV • HLTV mix1: 21% in Q326 vs 23% in Q325 • 10% of total balances are BTL2 mortgages • Consistently low 90 day arrears rate (Q326: 0.1%) • Well-established affordability assessments in place c.84% fixed 2 year Fixed 38% Tracker/Other 16% Other Fixed 3% 5+ year Fixed 43% Ability to lend to high-yield, low risk customers with complex incomes Barclays brand Kensington 3-4x higher margin At acquisition Q326 Kensington balances (£bn) 3x • Diversification: deploying the Kensington brand into the overall mortgage portfolio, reaching new customer segments • Specialist expertise: including knowledge of securitisation markets, supporting efficient funding structures • Risk/reward discipline: proven capability in balancing customer growth with risk management
Slide 49 — Structured financing exposure to NBFIs
49 October 2026 Barclays Q3 2026 Results Structured financing exposure to NBFIs 1 Drawn structured financing exposure to non-bank-financial-institutions | 2 BDC revenue is not included within structured financing revenue (included within Investment Banking) | 3 Weighted average EBITDA and LTV for portfolio | 4 Committed exposure of c.£20bn comprises on and off Group balance sheet exposure | Note: Chart may not sum due to rounding | Note: subscription line financing of c.£0.5bn is not captured within Structured Financing | £15bn £1bn £4bn £16bn £15bn £14bn Q226: £65bn1 Other commercial and consumer (ABS) Private Equity Private Credit Residential Mortgages CRE Securitised products Securitised Products • Warehouse solutions, often with intention to distribute o Skew towards top tier counterparties with high frequency reporting of collateral performance o Senior attachment points: c.80% / c.97% of ABS facilities structured to AA / A rating o Dynamic credit enhancements, margin rights and/or partial recourse features • Negligible losses excluding two recent single name charges Private Equity • Financing solutions for sponsors predominantly at the portfolio level, benefiting from diverse pools of collateral • Focused on top-tier global sponsors with strong track records o Collateral actively monitored with strong challenge rights to marks and conservative LTVs (15%-35%) • No losses since business inception Private Credit • Senior financing against corporate loan portfolios, predominantly to closed-end funds with large established managers • Portfolios skewed to larger corporates o EBITDA of >$200m and LTVs c.60%3 o Strict limits on borrower and sector concentrations • Collateral valuation closely monitored to enforce maintenance of LTVs: o Daily revaluation rights on large portion of the book o Reserve the right to approve and value additional collateral • Committed exposure of c.£20bn4 • No losses since business inception BDCs2
Slide 50 — Risk transfer transactions
50 October 2026 Barclays Q3 2026 Results Risk transfer transactions Q226: £64bn1 risk transferred 1 Total notional referenced for synthetic risk transfers and total portfolio securitised for cash risk transfers. Includes the first loss position transferred. c.£64bn across major risk transfer portfolios | 2 Includes US cards ($1bn), UK unsecured consumer (£3bn) and UK residential mortgages (£2bn) | 3 Includes UK social housing (£2bn) | 4 GBP equivalent, calculated using FX rates on 30/06/26 | 5 Total loss claims to H126. IFRS 9 reimbursement asset P&L c.£300m since 2020 | 6 Excludes run-off portfolios (e.g. UK social housing, US cards own brand portfolio) | £56bn4 corporate loans £2bn other synthetic3 £6bn cash structures2 Synthetic Cash Cash structures • Outright sale of assets • Assets either derecognised from balance sheet or remain on balance sheet with capital relief achieved through compliance with Significant Risk Transfer regulations • Barclays remains the lender of record and receives servicing fees • Programmes fully funded, resulting in no counterparty credit risk • <c.£2.5bn group-wide RWA amortisation profile per quarter6 • Do not finance our own or other bank SRTs • Typically required to retain at least 5% of the risk in the securitised assets • Regulator notified about every transaction • Credit linked notes (CLNs) sold to investors • CLNs reference junior risk of underlying pool of assets (both drawn and undrawn exposures) • Loans remain on balance sheet and investors receive a coupon on the CLNs Synthetic structures Corporate loans • Colonnade programme established in 2016 • Deployed against exposure in the UK Corporate Bank and Investment Bank • CLNs are reissued on a regular basis in a deep and active market o In 2026 YTD, 17 deals executed by Barclays, hedging £15.8bn of exposure • Programme size and hedge proportion at a broadly steady state • c.£325m of credit losses claimed since 20165 Risk manage- ment
Slide 51 — Funding and liquidity metrics
51 October 2026 Barclays Q3 2026 Results Funding and liquidity metrics Average LCR (%)1 70% of Liquidity Pool held in cash 1 Average of the last 12 spot month end LCR ratios | 2 Average of the last four spot quarter end ratios | 3 From Q326, the customer loan to deposit ratio has been introduced, calculated as customer loans divided by customer deposits, to improve comparability with peers | Note: Charts may not sum due to rounding | Average NSFR (%)2 156 161 172 170 157 FY22 FY23 FY24 FY25 Q326 • Liquidity pool represents 21% of total assets • >99.7% of cash placed with BoE, US Fed, ECB, BoJ, SNB • Debt securities mostly held in high-quality government bonds • Majority of securities in the liquidity pool are hedged for interest rate risk • Prudent management via daily stress testing and internal monitoring Cash £262bn FVOCI £78bn 21% HTC £32bn 9% Liquidity Pool £372bn 137 138 135 135 136 FY22 FY23 FY24 FY25 Q326 Customer loan: deposit ratio (%)3 65% 64% 62% 62% 64% FY22 FY23 FY24 FY25 Q326
Slide 52 — Tangible book value per share +18p year on year (+5%)
52 October 2026 Barclays Q3 2026 Results Tangible book value per share +18p year on year (+5%) YoY TNAV movements (pence per share) 1 Contribution of attributable profit to TNAV may differ to EPS due to share count difference as a result of the share buyback in the period | 2 Other includes goodwill and intangibles and other reserve movements | 3 £1.2bn impact to the cash flow hedge reserve is pre-tax (per Equity sensitivity disclosure in the annual report). The post-tax impact drives c.6p movement in TNAV | 392 410 Q325 50 Attributable profit¹ (3) Share buyback (11) Dividends paid (19) Cash flow hedge reserve 1 Other² Q326 409 405 423 410 Q425 Q126 Q226 12 Attributable profit¹ (6) Dividends paid (18) Cash flow hedge reserve (1) Other² Q326 QoQ TNAV movement (pence per share) 25bps movement in interest rates ~ £1.2bn in cash flow hedge reserve impacts ~ 6p TNAV impact3
Slide 53 — Additional appendix slide
53 October 2026 Barclays Q3 2026 Results Additional appendix slide Barclays UK: Income by business (£m) 1 Includes Tesco Bank | 2 Includes day one gain on acquisition of Tesco Bank of £0.6bn | 2023 2024 2025 2026 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Retail Banking 1,500 1,481 1,403 1,309 1,357 1,402 1,433 2,0782 1,573 1,599 1,708 1,702 1,725 1,711 1,785 Of which: UK Cards1 247 237 238 242 229 228 249 296 292 279 296 287 281 288 314 Business Banking 461 480 470 483 469 485 513 537 501 520 545 560 533 548 564 Barclays UK income 1,961 1,961 1,873 1,792 1,826 1,887 1,946 2,615 2,074 2,119 2,253 2,262 2,258 2,259 2,349 Group: Return on average tangible shareholders’ equity Statutory (£m) Q425 Q126 Q226 Q326 Last 12 months Profit before tax 1,859 2,814 3,252 2,322 10,247 Attributable profit 1,195 1,932 2,259 1,646 7,032 Avg. shareholders’ equity (£bn) 64.8 65.5 64.8 65.3 65.1 Avg. goodwill and intangibles (£bn) (8.3) (8.3) (8.6) (8.9) (8.5) Avg. tangible shareholders’ equity (£bn) 56.5 57.2 56.1 56.4 56.6 Return on avg. tangible shareholders’ equity 8.5% 13.5% 16.1% 11.7% 12.4%
Slide 54 — Macroeconomic variables
54 October 2026 Barclays Q3 2026 Results Macroeconomic variables 1 Expected Credit Loss (ECL) | 2 Actuals except for Banking wallet | 3 YoY percentage change in real annual GDP | 4 Q4 unemployment rate | 5 Year-end central bank policy rates | 6 UK Pound Sterling SONIA OIS Zero 7 Year Point (Bloomberg: BPSWS7 Curncy) | 7 2025 based on Q4 rate. Forward looking metrics based on YoY percentage change in annual average CPI | 8 2025 Global Markets wallet based on internal Barclays estimates (using disclosed results) and 2025 banking wallet based on Dealogic for the period 1 January 2025 to 31 December 2025, as at 6 January 2026 | 9 Source: Bloomberg consensus | 10 Average UK unemployment rate 16-year+ | 11 Average central bank policy rate | 12 Change in year-end UK CPI = Harmonised Index of Consumer Prices, relative to prior year-end | 13 Change in year-end UK HPI = Halifax HPI Meth 2 All Houses, All Buyers index | 14 Average US civilian unemployment rate 16-year+ | 15 Change in year-end US CPI = Consumer Price Index, relative to prior year-end | 16 Change in year-end US HPI = FHFA House Price Index, relative to prior year end | Note: Group plan based on an average USD/GBP FX rate of 1.35 | Note: Forward looking metrics based on market consensus and are factored into the internal assumptions | Macro-economic variables used in the calculation of ECL1 (Baseline scenario for Q326) UK GDP3,9 1.3% 1.2% 1.6% UK unemployment9,10 5.1% 5.1% 5.2% UK bank rate11 3.81% 4.25% 4.25% UK CPI12 3.2% 2.1% 1.4% UK HPI13 1.6% 2.0% 3.2% US GDP3,9 2.2% 2.1% 2.2% US unemployment9,14 4.3% 4.3% 4.2% US federal funds rate11 3.76% 4.00% 4.00% US CPI15 3.3% 2.3% 2.2% US HPI16 1.7% 1.0% 1.7% Assumptions 20252 2026 2027 2028 Plan (10th February 2026) UK GDP3 1.4% 1.3% 1.5% 1.4% UK unemployment4 5.1% 4.8% 4.8% 4.8% UK bank rate5 3.75% 3.50% 3.75% 3.75% Hedge reinvestment rate 3.8%6 3.5% 3.5% 3.5% UK inflation7 3.4% 2.5% 2.2% 2.2% US GDP3 2.2% 1.4% 2.0% 2.0% US unemployment4 4.5% 4.4% 4.4% 4.4% US federal funds rate5 3.25% 3.00% 3.00% 3.25% US inflation7 2.8% 2.9% 2.6% 2.6% Markets wallet $147bn8 $135bn $135bn $135bn Banking wallet $103bn8 $105bn $105bn $105bn
Slide 55 — Disclaimer
55 October 2026 Barclays Q3 2026 Results Disclaimer ImportantNotice The terms “Barclays” and “Group” refer to Barclays PLC together with its subsidiaries. The information, statements and opinions contained in this presentation do not constitute a public offer, an offer to sell or solicitation of any offer to buy any securities or financial instruments under any applicablelegislation and in any jurisdiction, or any advice or recommendationwith respect to such securities or other financialinstruments. Information relating to: • regulatory capital, leverage, liquidity, resolution and related regimes are based on Barclays' interpretation of applicable rules and regulations as in force and implemented in the UK as at the reporting date, including, but not limited to: the CRR; the PRA Rulebook; and any applicable delegated acts, implementing acts or technical standards; in each case as amended and, where applicable, as such rules and regulations form part of domestic law by virtue of the European Union (Withdrawal) Act 2018. All such regulatory requirements are subject to change anddisclosures madeby the Group will be subject to any resulting changes. The Pillar 2A requirement is also subject to at least annual review; • MREL is based on Barclays' understanding of the Bank of England’s statement of policy on "The Bank of England's approach to setting a minimum requirement for own funds and eligible liabilities (MREL)" published in July 2025, and its MREL requirements communicated to Barclays by the Bank of England. Bindingfuture MREL requirements remainsubject to change,as determined bythe Bank of England, taking into account a number of factors as describedin the policy, along with internationaldevelopments; • future regulatory capital, leverage, liquidity, funding and/or MREL, including forward-looking illustrations, are provided for illustrative purposes only and are not forecasts of Barclays’ results of operations or capital position or otherwise. Illustrations regarding the capital flight path, end-state capital evolution andexpectationsand MREL build are basedon certain assumptionsapplicable at the date of publication only which cannot be assured and are subject to change.” Non-IFRSperformancemeasures Barclays’ management believes that the non-IFRS performance measures included in this presentation 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 presentation are not a substitute for IFRS measures and readers should consider the IFRS measures as well. Refer to the appendix of the Barclays PLC Results Announcement for each of the periods ended 31 December 2021, 30 June 2022, 30 September 2022, 31 December 2023, 30 September 2024, 31 December 2025, 31 March 2026, 30 June 2026 and 30 September 2026, and the Group Reporting Changes 2023 Results Resegmentation Document, respectively, which are available at Barclays.com, for further information and calculations of non-IFRS performance measures included throughout this presentation, and the most directly comparableIFRS measures. Forward-lookingstatements 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-lookingstatements, whether as a result of new information, future events or otherwise.
Slide 56 — Contact details, upcoming events and useful presentations
Contact details, upcoming events and useful presentations Upcoming events Investor Relations [email protected] Useful presentations Progress Update 2025 Link Private Bank and Wealth Management deep dive Link Investment Banking deep dive Link UK Corporate Bank deep dive Link Investor Update 2024 Link Structural hedge teach in Link Sustainability Investor Presentation Link Link to the digital Q326 results presentation 9th February 2027 FY26 results and targets update 27th April 2027 Q127 results