# Barclays PLC and Barclays Bank UK PLC ## Pillar 3 Terms and Conditions of own funds and eligible liabilities ### 31 December 2019 --- ## Supplement to the Barclays PLC Pillar 3 Report 2019 and the Barclays Bank UK PLC Pillar 3 Report 2019 ### Introductory notes This worksheet complements the Barclays PLC Pillar 3 Report 2019 and the Barclays Bank UK PLC Pillar 3 Report 2019, available from [home.barclays/investor-relations/reports-and-events/annual-reports/](https://home.barclays/investor-relations/reports-and-events/annual-reports/). Prospectuses, final terms and related documentation in respect of certain securities can be found at the following sites [home.barclays/investor-relations/fixed-income-investors/prospectus-and-documents/](https://home.barclays/investor-relations/fixed-income-investors/prospectus-and-documents/) and [home.barclays/who-we-are/our-governance/our-framework-code-and-rules/](https://home.barclays/who-we-are/our-governance/our-framework-code-and-rules/). The information disclosed in this report is prepared in accordance with the Capital Requirements Regulation and Capital Requirements Directive (CRR and CRD, also known as the ‘CRD IV legislative package’). On 27 June 2019, CRR II came into force amending CRR. As an amending regulation, the existing provisions of CRR apply unless they are amended by CRR II. The amendments largely take effect and are phased in from 28 June 2021 with a number of exceptions, primarily relating to amendments to own funds and the introduction of requirements for own funds and eligible liabilities (MREL), which are implemented with immediate effect. Certain provisions took immediate effect and these primarily relate to MREL. Other CRR II amendments are expected to take effect from 28 June 2021. The Pillar 3 disclosures have also been prepared in accordance with the EBA “Guidelines on materiality, proprietary and confidentiality and on disclosure frequency under Articles 432(1), 432(2) and 433 of CRR” and EBA “Guidelines on disclosure requirements under Part Eight of Regulation (EU) No 575/2013”, as amended by Regulation (EU) 2019/876, in effect at the reporting date, using the uniform format set out in the BCBS standard on Pillar 3 disclosure requirements, as the EU format for disclosure is yet to be agreed. Certain aspects of CRR II are dependent on final technical standards to be issued by the European Banking Authority (EBA) and adopted by the European Commission as well as UK implementation of the rules. The disclosures reflect Barclays’ interpretation of the current rules and guidance. Please note that this worksheet does not address the impact of the statutory bail-in power, or the mandatory write-down or conversion of capital instruments power under the Banking Act 2009, as amended. The terms Barclays or Barclays Group refer to Barclays PLC together with its subsidiaries. The abbreviations ‘£m’ and ‘£bn’ represent millions and thousands of millions of Pounds Sterling respectively. There are a number of key judgement areas, for example impairment calculations, which are based on models and which are subject to ongoing adjustment and modifications. Reported numbers reflect best estimates and judgements at the given point in time. Relevant terms that are used in this document but are not defined under applicable regulatory guidance or International Financial Reporting Standards (IFRS) are explained in the results glossary that can be accessed at [home.barclays/investor-relations/reports-and-events/annual-reports/](https://home.barclays/investor-relations/reports-and-events/annual-reports/). ### Forward-looking statements This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934, as amended, and Section 27A of the US Securities Act of 1933, as amended, with respect to the Group. Barclays cautions readers that no forward-looking statement is a guarantee of future performance and that actual results or other financial condition or performance measures could differ materially from those contained in the forward-looking statements. These forward-looking statements can be identified by the fact that they do not relate only to historical or current facts. Forward-looking statements sometimes use words such as ‘may’, ‘will’, ‘seek’, ‘continue’, ‘aim’, ‘anticipate’, ‘target’, ‘projected’, ‘expect’, ‘estimate’, ‘intend’, ‘plan’, ‘goal’, ‘believe’, ‘achieve’ or other words of similar meaning. Forward-looking statements can be made in writing but also may be made verbally by members of the management of the Group (including, without limitation, during management presentations to financial analysts) in connection with this document. Examples of forward-looking statements include, among others, statements or guidance regarding or relating to the Group’s future financial position, income growth, assets, impairment charges, provisions, business strategy, capital, leverage and other regulatory ratios, payment of dividends (including dividend payout ratios and expected payment strategies), projected levels of growth in the banking and financial markets, projected costs or savings, any commitments and targets, estimates of capital expenditures, plans and objectives for future operations, projected employee numbers, IFRS impacts and other statements that are not historical fact. By their nature, forward-looking statements involve risk and uncertainty because they relate to future events and circumstances. The forward-looking statements speak only as at the date on which they are made and such statements may be affected by changes in legislation, the development of standards and interpretations under IFRS, including evolving practices with regard to the interpretation and application of accounting and regulatory standards, the outcome of current and future legal proceedings and regulatory investigations, future levels of conduct provisions, the policies and actions of governmental and regulatory authorities, geopolitical risks and the impact of competition. In addition, factors including (but not limited to) the following may have an effect: capital, leverage and other regulatory rules applicable to past, current and future periods; UK, US, Eurozone and global macroeconomic and business conditions; the effects of any volatility in credit markets; market related risks such as changes in interest rates and foreign exchange rates; effects of changes in valuation of credit market exposures; changes in valuation of issued securities; volatility in capital markets; changes in credit ratings of any entity within the Group or any securities issued by such entities; the potential for one or more countries exiting the Eurozone; instability as a result of the exit by the UK from the European Union and the disruption that may subsequently result in the UK and globally; and the success of future acquisitions, disposals and other strategic transactions. A number of these influences and factors are beyond the Group’s control. As a result, the Group’s actual financial position, future results, dividend payments, capital, leverage or other regulatory ratios or other financial and non-financial metrics or performance measures may differ materially from the statements or guidance set forth in the Group’s forward-looking statements. Additional risks and factors which may impact the Group’s future financial condition and performance are identified in our filings with the SEC (including, without limitation, our Annual Report on Form 20-F for the fiscal year ended 31 December 2019), which are available on the SEC’s website at [www.sec.gov](http://www.sec.gov). Subject to our obligations under the applicable laws and regulations of any relevant jurisdiction, (including, without limitation, the UK and the US), in relation to disclosure and ongoing information, we undertake no obligation to update publicly or revise any forward-looking statements, whether as a result of new information, future events or otherwise. --- ## Capital instruments main features template (Pages 3-20) *(Due to the extensive nature of the capital instruments table across 18 pages, a representative selection of the data is presented below in summary format.)* | Row | Item | Representative Details | | :--- | :--- | :--- | | 1 | Issuer | Barclays PLC / Barclays Bank PLC / Barclays Bank UK PLC | | 3 | Governing law(s) | English, New York, New South Wales, etc. | | 4 | Transitional Basel III rules | Common Equity Tier 1 / Additional Tier 1 / Tier 2 / Eligible liabilities | | 7 | Instrument type | Ordinary Share Capital, Perpetual Deeply Subordinated Contingent Convertible Debt, etc. | | 10 | Accounting classification | Shareholders' equity, Liability - amortised cost | | 11 | Original date of issuance | Varies by instrument | | 12 | Perpetual or dated | Perpetual or Dated | | 14 | Issuer call subject to prior supervisory approval | Yes / N/A | | 17 | Fixed or floating dividend/coupon | Fixed / Floating / Fixed to Floating | | 20a | Fully/partially discretionary or mandatory (timing) | Fully discretionary / Mandatory / Partially discretionary | | 23 | Convertible or non-convertible | Convertible / Non-convertible | | 30 | Write-down features | Yes / No | | 35 | Position in subordination hierarchy in liquidation | Various (e.g., Perpetual Deeply Subordinated, Dated Subordinated Debt, Preferred Liabilities) | *(Note: The full document contains individual columns for hundreds of specific financial instruments with unique ISINs/identifiers, detailing their specific maturity dates, coupon rates, conversion triggers, and subordination status for each.*)