Strategic Shareholder Climate and Risk Financial Financial Barclays PLC 333 report information sustainability report Governance review review statements Annual Report 2022 Risk performance - Credit risk (continued) Analysis of specific portfolios and asset types This section provides an analysis of principal portfolios and businesses, in particular, home loans, credit cards, unsecured loans and other retail lending and a summary of government supported loans. Secured home loans The UK home loans portfolio comprises first lien home loans and accounts for 93% (2021: 93%) of the Group’s total home loan balances. Home loans principal portfolios Barclays UK As at 31 December 2022 2021 Gross loans and advances (£m) 162,380 158,192 >90 day arrears, excluding recovery book (%) 0.1 0.1 Annualised gross charge-off rates (%) 0.5 0.5 Recovery book proportion of outstanding balances (%) 0.5 0.6 Recovery book impairment coverage ratio (%) 5.2 4.2 Within the UK home loans portfolio: • gross loans and advances increased by £4.2bn (2.7%) following an increase in Residential (3.2%), while Buy to Let (BTL) remained broadly stable. • owner-occupied interest-only home loans comprised 17% (2021: 19%) of total balances. The average balance weighted LTV on owner occupied loans remained stable at 50.0% (2021: 50.3%). • BTL home loans comprised 12.7% (2021: 13.1%) of total balances. In BTL, the average balance weighted LTV remained stable at 53.2% (2021: 53.4%). a Home loans principal portfolios - distribution of balances by LTV Distribution of Balances Distribution of impairment allowance Coverage ratio Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Barclays UK % % % % % % % % % % % % As at 31 December 2022 75% and 90% and 100% — — — — 0.1 0.6 3.3 4.0 0.4 21.4 64.9 13.1 As at 31 December 2021 75% and 90% and 100% 0.0 — — 0.0 0.2 1.0 8.9 10.1 0.4 6.4 100.0 14.1 Note a Portfolio marked to market based on the most updated valuation including recovery book balances. Updated valuations reflect the application of the latest HPI available as at 31 December 2022.