Strategic Shareholder Climate and Risk Financial Financial Barclays PLC 335 report information sustainability report Governance review review statements Annual Report 2022 Risk performance - Credit risk (continued) Credit cards, unsecured loans and other retail lending The principal portfolios listed below accounted for 85% (2021: 82%) of the Group’s total credit cards, unsecured loans and other retail lending. Credit cards and unsecured loans principal portfolios 30 day arrears rate, 90 day arrears rate, excluding excluding Annualised gross Annualised net Gross exposure recoveries book recoveries book write-off rates write-off rates £m % % % % As at 31 December 2022 Barclays UK UK cards 9,939 0.9 0.2 3.7 3.6 UK personal loans 4,023 1.4 0.6 4.1 3.8 Barclays Partner Finance 2,612 0.5 0.2 0.7 0.7 Barclays International US cards 25,554 2.2 1.2 2.4 2.3 Germany consumer lending 4,269 1.7 0.7 0.7 0.6 As at 31 December 2021 Barclays UK UK cards 9,933 1.0 0.2 4.1 4.0 UK personal loans 4,011 1.5 0.7 3.5 3.2 Barclays Partner Finance 2,471 0.4 0.2 1.4 1.4 Barclays International US cards 17,779 1.6 0.8 4.3 4.2 Germany consumer lending 3,559 1.5 0.7 0.9 0.8 UK cards: 30 day arrears rate reduced marginally to 0.9% (2021: 1.0%) and 90 day arrears rate remained stable at 0.2% (2021: 0.2%), whilst total exposure was stable at £9.9bn. Both the gross and net write off rates decreased by 0.4% due to reduced debt sales and monthly delinquency flows. UK personal loans: 30 and 90 day arrears rates have reduced marginally to 1.4% (2021: 1.5%) and 0.6% (2021: 0.7%) respectively, whilst total exposure was stable at £4.0bn. Both the annualised gross and net write off rates increased by 0.6% due to increased regular debt sales. Barclays Partner Finance: 30 day arrears rate increased slightly to 0.5% (2021: 0.4%) and 90 day arrears rate remained stable at 0.2% (2021: 0.2%), reflecting marginally higher entry rates with stable flows through the delinquency cycles. Total exposure grew by £0.1bn to £2.6bn (2021: £2.5bn) as a result of increased sales. Both the annualised gross and net write off rates decreased by 0.7% as a result of the reducing delinquent stock and subsequent flow into recoveries. US cards: Balances increased due to the acquisition of the Gap portfolio in June 2022, movement in the USD/GBP exchange rate and core portfolio growth. 30 and 90 day arrears rates increased to 2.2% (2021: 1.6%) and 1.2% (2021: 0.8%) due to the partial normalisation of customer behaviour and the acquisition of the Gap portfolio, though rates remain below pre-pandemic levels. Write- off rates decreased reflecting portfolio growth and the impact of lower charge offs in 2021 due to the benefit of government support schemes . Germany consumer lending: 30 day arrears rate increased to 1.7% (2021: 1.5%) due to increased macroeconomic uncertainty in Europe, though the rate was consistent with pre-pandemic levels.