Strategic Shareholder Climate and Risk Financial Financial Barclays PLC 332 report information sustainability report Governance review review statements Annual Report 2022 Risk performance - Credit risk (continued) a Credit risk profile by internal PD grade for contingent liabilities (audited) Gross carrying amount Allowance for ECL Net Coverage PD range Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total exposure ratio Credit quality Grading % description £m £m £m £m £m £m £m £m £m % As at 31 December 2022 1 - 3 0.0 to