Barclays Investor Presentation — October 2019

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Q3 INTERIM MANAGEMENT

Presentation to analysts and investors | 31 October 20191

Solid financial performance in a challenging environment

(6.2)ppEarnings per share2.2p

(53)%Statutory profit

(40)%Underlying profit£6.0bn

(5)%Cost:income ratio

(incl. remediation)46.5%

(1.0)pp•Statutory profit before tax of £2.9bn for the nine months, down 40%,

significantly impacted by additional PPI charge of £1.8bn in Q3

•Underlying profit of £6.0bn, down 5%, with underlying RoTE of 15.7%

-Net income of £13.0bn, 3% lower, with NIM of 289bps

-Continued reduction in total costs, down 5%, with BAU costs down 6%

and cost:income ratio further improved to 46.5%

-Credit quality remains strong; net AQR increased to 29bps including a

single large corporate charge in Q3

•Statutory RoTE of 6.8% and TNAV down 1.0p on year end to 52.0p

•Free capital build of 149bps, before 121bps PPI impact of which

•Further 10bps reduction in Pillar 2A with CET1 target maintained at

c.12.5 % plus a management buffer of c.1%

•Continue to target a progressive and sustainable ordinary dividendFree capital build

(pre-PPI)149bpsQ3 2019 Year to date2

Solid financial performance: ongoing cost reduction continues to partly offset

income pressure in a challenging rate environment

(£bn)Net interest income

•Net income of £13.0bn year to date, down 3%

-NII down with slightly lower AIEAs and NIM of 2.89%

(2.88% in Q3); expect 2019 margin of 2.88%

-Other income of £4.4bn down 4% impacted by lower

client activity in Commercial markets and lower gilt sales