Barclays 2013 Annual Report Download - page 10

Business model/Value creation
Barclays is a globally diversified, universal bank – that is,
we offer an integrated set of products and services across
retail banking, wealth management, commercial and
investment banking serving individuals, corporations,
institutions, and governments.
‘Our customers and clients
are at the centre of our
goal and purpose.’
Delivering value
Ensuring we deliver our obligations to shareholders whilst meeting society’s needs in a responsive manner
 Individual customers want a safe place
to store their savings and grow their
wealth, as well as access to loans and
credit cards to finance their purchases,
and current accounts to make and
receive payments.
 Companies want to make and receive
payments, seek funds for business
growth, and require advice on starting,
buying, and selling businesses.
 Leading international companies,
sovereigns, and institutions want to
raise or deploy capital, move money in
and across jurisdictions, and advice on
mergers and acquisitions.
 A full suite of savings and
investments, credit and loan facilities,
and payment services to meet the
day-to-day banking needs of our
individual customers.
 Payment processing and working
capital facilities for small and large
businesses alike, helping them receive
money and pay staff and suppliers.
 A full global suite of investment bank
services from corporate finance to
macroeconomic research, and capital
markets execution to risk
management.
We generate income from
supplying these services in
various ways
 A long, proud and stable history –
over 300 years serving customers
and clients
 A strong, well-funded, globally
diversified balance sheet with
multiple stock market listings
 Global reach and representation
through our home markets in UK,
US, and South Africa
 World-class products and services
and a track-record of innovating for
customers and clients
 High calibre finance professionals
committed to helping their
customers and clients achieve their
ambitions in the right way
Our approach delivers broader
value in the unique way we do
business
Barlays helps create, grow and protect
wealth so that individuals, corporations,
countries and wider society can achieve
their ambitions in the right way
We do this by providing
essential banking services
across sectors, regions and
around the world
We differentiate ourselves
from competitors in our
credentials and our approach
Together, our
activities generate
sustainable returns over
the long-term for our
shareholders and help our
wider stakeholders
realise their ambitions
 Our net interest margin – the
difference between the interest we
pay on deposits and the risk-adjusted
returns we receive for deploying that
capital productively through loans
and advances to our lending
customers and clients
 Fees charged for the delivery of
transaction services, advice and
financial solutions
 Commission and spreads on
transactions in our investment bank
 High quality service for customers
and clients globally
 Challenging, meaningful and
fulfilling careers for our people in a
values-driven organisation
 Long-term sustainable returns for
our investors, based on diversified
income streams and risk
 Employment and economic growth
in the economies in which we
operate
 Engagement with governments and
civil society to address social issues
and needs
barclays.com/annualreport
08 Barclays PLC Annual Report 2013