Strategic Shareholder Climate and Risk Financial Financial Barclays PLC 305 report information sustainability report Governance review review statements Annual Report 2022 Risk performance - Credit risk (continued) Loans and advances at amortised cost by stage (audited) Gross exposure Impairment allowance Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Net exposure As at 31 December 2021 £m £m £m £m £m £m £m £m £m Barclays UK 160,695 22,779 2,915 186,389 261 949 728 1,938 184,451 Barclays International 25,981 2,691 1,566 30,238 603 795 858 2,256 27,982 Head Office 3,735 429 705 4,869 2 36 347 385 4,484 Total Barclays Group retail 190,411 25,899 5,186 221,496 866 1,780 1,933 4,579 216,917 Barclays UK 35,571 1,917 969 38,457 153 43 111 307 38,150 Barclays International 92,341 13,275 1,059 106,675 187 192 458 837 105,838 Head Office 542 2 21 565 — — 19 19 546 a Total Barclays Group wholesale 128,454 15,194 2,049 145,697 340 235 588 1,163 144,534 Total loans and advances at amortised cost 318,865 41,093 7,235 367,193 1,206 2,015 2,521 5,742 361,451 Off-balance sheet loan commitments and financial b guarantee contracts 312,142 34,815 1,298 348,255 217 302 23 542 347,713 c Total 631,007 75,908 8,533 715,448 1,423 2,317 2,544 6,284 709,164 Loan impairment charge and loan loss rate Loan Coverage ratio impairment Loan loss Stage 1 Stage 2 Stage 3 Total charge rate As at 31 December 2021 % % % % £m bps Barclays UK 0.2 4.2 25.0 1.0 (227) — Barclays International 2.3 29.5 54.8 7.5 181 60 Head Office 0.1 8.4 49.2 7.9 — — Total Barclays Group retail 0.5 6.9 37.3 2.1 (46) — Barclays UK 0.4 2.2 11.5 0.8 122 32 Barclays International 0.2 1.4 43.2 0.8 (197) — Head Office — — 90.5 3.4 — — a Total Barclays Group wholesale 0.3 1.5 28.7 0.8 (75) — Total loans and advances at amortised cost 0.4 4.9 34.8 1.6 (121) — Off-balance sheet loan commitments and financial b guarantee contracts 0.1 0.9 1.8 0.2 (514) Other financial assets subject to c impairment (18) Total 0.2 3.1 29.8 0.9 (653) Notes a Included in the above analysis are Wealth and Private Banking exposures measured on an individual customer exposure basis, and excludes Business Banking exposures including BBLS of £9.4bn that are managed on a collective basis and reported within BUK Retail. The net impact is a difference in total exposure of £6.0bn of balances reported as wholesale loans in the Loans and advances at amortised cost by product disclosure. b Excludes loan commitments and financial guarantees of £18.8bn carried at fair value. c Other financial assets subject to impairment not included in the table above include cash collateral and settlement balances, financial assets at fair value through other comprehensive income and other assets. These have a total gross exposure of £155.2bn and impairment allowance of £114m. This comprises £6m ECL on £154.9bn Stage 1 assets, £1m on £0.157bn Stage 2 fair value through other comprehensive income assets, cash collateral and settlement balances and £107m on £110m Stage 3 other assets.