Contact us UK online banking News About us Investor relations Citizenship Careers Products and services Business structure About us Business structure The Barclays of the future will be a focused international bank with four core businesses The Barclays of the future will be a focused international bank with four core businesses, better balanced within the Group and each positioned to win in its field. We are fundamentally reshaping and rebalancing our business to focus on our strengths and ensure we can deliver consistent returns and growth. Antony Jenkins, Group Chief Executive Our four core businesses Personal and Corporate Combining our successful retail, corporate and wealth businesses is an exciting move with the potential to disrupt an established part of the UK banking landscape. Personal and Corporate Banking will be a powerhouse, with significant opportunities to improve the customer and client offering, and deliver a truly integrated service. Technology now provides real opportunities – not only for cost savings, but also to build a seamless, end-to-end client offer in personal and business banking, from basic bank accounts to major corporates. Personal banking Corporate banking Barclaycard Barclaycard is already a clear leader in consumer payments and has strong potential for continued growth. In a business where winning is dependent on scale, innovation, analytics, and risk management, we are strong across the board and we will continue to invest for growth. We continue to have an appetite for selective expansion and acquisition for this business, and investing in Barclaycard will be a priority as we consider options for capital allocation. Barclaycard Investment Bank Our Investment Bank is a valuable asset to Barclays and its strength is a differentiator for us. In future, it will be simpler and stronger, deploying balance sheet in support of an origination-led banking strategy focusing on high-quality, higher-returning clients. Our Markets business will predominantly focus on standard, liquid products where we already have scale and market-leading execution capability, and we will divert capital away from capital-intensive or leverage-intensive businesses with high balance sheet usage and low returns. In Investment Banking, we will invest in areas where we have a strong and improving track record, and focus resources on key clients. We will also focus our Asian operations on global, rather than local, business. Investment Bank Africa This is an exciting, growing part of the world where we are very well positioned. In future, we will report all our African operations together – including retail, cards, wealth, corporate and investment banking – better highlighting the strength of our proposition in Africa. We are ambitious for this business and we are committed to maximising its value for all our shareholders. Barclays Africa News About us Investor relations Citizenship Careers Results and reports 2014 Interim Results (PDF, 784KB) Barclays PLC Annual Report 2013 (PDF, 4.75MB) All financial results Press and media Press releases Barclays on social media Other links UK online banking Products and services Contact us Around the world Privacy policy Accessibility Important information Terms of use Cookie policy © Barclays 2014