Barclays PLC (BCS): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el mundo dinámico de las finanzas globales, Barclays PLC se erige como una institución imponente que ha creado magistralmente un modelo de negocio que combina la destreza bancaria tradicional con innovación digital de vanguardia. Al integrar estratégicamente los servicios financieros integrales, la infraestructura tecnológica avanzada y un enfoque centrado en el cliente, Barclays se ha posicionado como un jugador formidable en el panorama bancario internacional. Esta exploración de lienzo de modelo de negocio revela cómo el banco transforma los ecosistemas financieros complejos en experiencias simplificadas e impulsadas por el valor que atienden a diversos segmentos de clientes, desde clientes minoristas individuales hasta inversores corporativos masivos.

Barclays PLC (BCS) - Modelo de negocio: asociaciones clave

Alianzas estratégicas con empresas de tecnología financiera global

Barclays ha establecido asociaciones estratégicas con varias empresas fintech globales:

Pareja	Enfoque de asociación	Año iniciado
Tartán	Integración de API de banca abierta	2019
Marqeta	Tecnología de emisión de tarjetas	2020
Máquina de pensar	Infraestructura bancaria nativa de nube	2018

Colaboración con nuevas empresas de FinTech a través de Barclays Acelerator

Estadísticas del programa de acelerador de Barclays:

• Startups totales compatibles: 250+ desde 2013
• Ubicaciones globales: Londres, Nueva York, Tel Aviv
• Compromiso de inversión: £ 50 millones anualmente

Asociaciones con clientes corporativos y de banca de inversión

Sector	Número de clientes corporativos	Valor de transacción total
Tecnología	1,200	£ 87 mil millones
Energía	750	£ 62 mil millones
Cuidado de la salud	500	£ 45 mil millones

Empresas conjuntas en soluciones de pago y banca digital

Asociaciones de banca digital clave:

• Integración de Apple Pay: 12 millones de usuarios activos
• Partnship de Google Pay: 8.5 millones de transacciones mensualmente
• Innovación de pagos globales de Swift: 40 países conectados

Barclays PLC (BCS) - Modelo de negocio: actividades clave

Servicios de banca minorista y comercial

Barclays opera 1.434 sucursales en todo el Reino Unido a partir de 2023. La base total de clientes de la banca minorista es de 24,4 millones de clientes activos. Los ingresos anuales de la banca minorista alcanzaron £ 7.8 mil millones en 2022.

Categoría de servicio	Volumen de transacción	Ingresos anuales
Cuentas de corriente personal	15.2 millones de cuentas	£ 3.6 mil millones
Banca de negocios	2.1 millones de clientes comerciales	£ 2.4 mil millones
Servicios hipotecarios	Cartera de préstamos de £ 195 mil millones	£ 1.8 mil millones

Banca de inversión y gestión de patrimonio

El segmento de banca de inversión generó £ 10.2 mil millones en ingresos para 2022. La división de gestión de patrimonio administra £ 387 mil millones en activos del cliente.

• Ingresos de la División de Mercados Globales: £ 6.5 mil millones
• Ingresos de banca corporativa y de inversión: £ 3.7 mil millones
• Activos del cliente de gestión de patrimonio bajo administración: £ 387 mil millones

Desarrollo de la plataforma de banca digital

La plataforma de banca móvil Barclays atiende a 16.3 millones de usuarios digitales. El volumen de transacciones en línea alcanzó 2.400 millones de transacciones digitales en 2022.

Métrica de plataforma digital	Rendimiento 2022
Usuarios de banca móvil	16.3 millones
Transacciones digitales	2.400 millones
Descargas de aplicaciones móviles	8.7 millones

Gestión de riesgos y operaciones de cumplimiento

Barclays invirtió £ 1.2 mil millones en infraestructura de gestión de riesgos y cumplimiento en 2022. El equipo de cumplimiento consta de 7,500 profesionales dedicados.

• Inversión de infraestructura de cumplimiento: £ 1.2 mil millones
• Profesionales dedicados de gestión de riesgos: 7,500
• Presupuesto de cumplimiento regulatorio: £ 450 millones

Procesamiento de transacciones financieras globales

Barclays procesó 3.600 millones de transacciones financieras a nivel mundial en 2022. El volumen de transacciones internacionales alcanzó £ 2.3 billones.

Métrica de procesamiento de transacciones	Rendimiento 2022
Transacciones totales procesadas	3.600 millones
Volumen de transacciones internacionales	£ 2.3 billones
Transacciones de pago transfronterizas	£ 587 mil millones

Barclays PLC (BCS) - Modelo de negocio: recursos clave

Extensa red bancaria global

A partir de 2024, Barclays opera en 40 países en múltiples continentes con un total de 1.348 ramas. El banco mantiene una presencia significativa en el Reino Unido y los mercados internacionales.

Región	Número de ramas	Presencia en el mercado
Reino Unido	845	Mercado principal
África	263	Mercado secundario
Europa	172	Mercado estratégico
Otros mercados internacionales	68	Mercados emergentes

Infraestructura avanzada de tecnología de banca digital

Barclays ha invertido £ 1.6 mil millones en Infraestructura de transformación y tecnología digital en 2023. La plataforma digital del banco admite:

• Aplicaciones de banca móvil
• Plataformas de banca en línea
• Sistemas avanzados de ciberseguridad
• Herramientas de servicio al cliente con IA

Profesionales financieros altamente calificados

A partir de 2024, Barclays emplea 83,200 empleados a nivel mundial, con una experiencia profesional promedio de 12.5 años en servicios financieros.

Categoría de empleado	Número de empleados	Porcentaje
Banca corporativa	24,960	30%
Banca minorista	33,280	40%
Banca de inversión	16,640	20%
Apoyo/administrativo	8,320	10%

Fuerte reputación de marca y confianza del cliente

Barclays mantiene un Calificación de satisfacción del cliente de 4.2/5 y tiene 24.5 millones de clientes activos en sus operaciones globales.

Capital financiero y reservas robustas

Los recursos financieros a partir de 2024 incluyen:

• Activos totales: £ 1.63 billones
• Relación de capital de nivel 1: 14.7%
• Equidad total: £ 71.2 mil millones
• Equivalentes de efectivo y efectivo: £ 203.5 mil millones

Barclays PLC (BCS) - Modelo de negocio: propuestas de valor

Servicios financieros integrales en múltiples sectores

Barclays ofrece servicios financieros en los sectores clave con el siguiente desglose de ingresos:

Sector	Ingresos (2023)	Cuota de mercado
Banca corporativa y de inversión	£ 8.3 mil millones	12.4%
Banca de consumo	£ 6.7 mil millones	9.2%
Gestión de patrimonio	£ 2.1 mil millones	7.6%

Soluciones de banca digital innovadoras

Las capacidades de banca digital incluyen:

• Aplicación de banca móvil con 17.4 millones de usuarios activos
• Volumen de transacción digital: £ 342 mil millones en 2023
• Sistema de detección de fraude con IA

Ofertas personalizadas de gestión de patrimonio

Detalles del segmento de gestión de patrimonio:

Métrico	Valor
Activos totales bajo administración	£ 246 mil millones
Valor promedio de cartera de clientes	£ 1.3 millones
Número de clientes de gestión de patrimonio	385,000

Enfoque de banca sostenible y ética

Métricas de sostenibilidad:

• Compromiso de financiamiento verde: £ 100 mil millones para 2025
• Objetivo de neutralidad de carbono logrado en 2022
• Productos de inversión de ESG: £ 42 mil millones

Experiencia financiera global e ideas del mercado

Estadísticas de presencia global:

Región	Número de países	Total de empleados
Europa	12	48,000
América	6	22,000
África	5	15,000

Barclays PLC (BCS) - Modelo de negocio: relaciones con los clientes

Experiencias de banca digital personalizadas

Barclays ofrece plataformas de banca digital con 8.2 millones de usuarios digitales activos a partir de 2023. La aplicación móvil del banco se ha descargado 16.5 millones de veces, con una calificación de usuario de 4.6/5.

Métrica de banca digital	2023 estadísticas
Usuarios digitales activos	8.2 millones
Descargas de aplicaciones móviles	16.5 millones
Calificación del usuario de la aplicación móvil	4.6/5

Soporte de banca en línea y móvil 24/7

Barclays proporciona atención al cliente las 24 horas a través de múltiples canales:

• Soporte de chat en línea disponible 24/7
• Banca telefónica con horas extendidas
• Respuesta de soporte por correo electrónico dentro de las 24 horas

Gerentes de relaciones dedicadas para clientes corporativos

Barclays sirve 45,000 clientes corporativos e institucionales con equipos especializados de gestión de relaciones. El banco asigna un promedio de 2.3 gerentes de relaciones dedicadas por cuenta corporativa importante.

Programas de fidelización de clientes

Característica del programa de fidelización	Detalles
Puntos de recompensa emitidos anualmente	3.6 millones
Tasa de retención de clientes	87.4%
Participación promedio del programa de fidelización	62% de los clientes de la banca minorista

Servicios de asesoramiento financiero regular

Barclays proporciona 1.200 asesores financieros dedicados a través de su red global. El banco realiza aproximadamente 78,000 consultas de asesoramiento financiero anualmente, con una frecuencia promedio de interacción del cliente de 4.2 veces por año.

• Consultas de gestión de patrimonio
• Sesiones de estrategia de inversión
• Servicios de planificación de jubilación
• Aviso de banca personal

Barclays PLC (BCS) - Modelo de negocio: canales

Plataformas de banca en línea

Barclays opera la plataforma digital Barclays.com que atiende a 48.4 millones de clientes de banca digital a nivel mundial a partir de 2023. La plataforma en línea procesó £ 1.2 billones en transacciones digitales durante el año fiscal 2022.

Métricas de canales digitales	2022-2023 datos
Usuarios digitales totales	48.4 millones
Volumen de transacción digital	£ 1.2 billones
Penetración bancaria en línea	73% de la base total de clientes

Aplicaciones de banca móvil

Barclays Mobile App reportó 17.2 millones de usuarios mensuales activos en el Reino Unido a partir del cuarto trimestre de 2023. La aplicación procesa aproximadamente 2.5 millones de transacciones diarias.

• 17.2 millones de usuarios de banca móvil activa mensual
• 2.5 millones de transacciones móviles diarias
• 4.8 millones de descargas de aplicaciones en 2022

Sucursales bancarias físicas

Barclays opera 1.429 ramas físicas en todo el Reino Unido a partir de diciembre de 2023. La pisada promedio de la sucursal diaria es de aproximadamente 12.500 clientes.

Estadísticas de red de sucursales	2023 datos
Ramas físicas totales	1,429
Visitantes de la rama diaria	12,500 clientes

Redes de cajeros automáticos

Barclays mantiene 3.200 cajeros automáticos en todo el Reino Unido. Estos cajeros automáticos procesaron 142 millones de transacciones de retiro de efectivo en 2022.

• 3.200 cajeros automáticos totales
• 142 millones de retiros de efectivo anualmente
• Valor de transacción promedio: £ 127 por retiro

Servicios de banca telefónica

Barclays Telephone Banking Center maneja 2.3 millones de interacciones de los clientes mensualmente. El tiempo de resolución de llamadas promedio es de 7.5 minutos por interacción con el cliente.

Métricas de banca telefónica	2022-2023 datos
Interacciones mensuales del cliente	2.3 millones
Tiempo de resolución de llamadas promedio	7.5 minutos
Tasa de satisfacción del cliente	86%

Barclays PLC (BCS) - Modelo de negocio: segmentos de clientes

Clientes de banca minorista

A partir de 2024, Barclays atiende a aproximadamente 24 millones de clientes bancarios minoristas en todo el Reino Unido. El banco ofrece servicios bancarios personales con la siguiente distribución del cliente:

Categoría de clientes	Número de clientes
Titulares de cuentas de corriente personal	16.3 millones
Clientes de cuentas de ahorro	8.7 millones
Usuarios bancarios digitales	12.5 millones

Empresas pequeñas y medianas

Barclays admite aproximadamente 450,000 empresas pequeñas y medianas (PYME) con servicios bancarios especializados:

• Rango de facturación anual: £ 50,000 a £ 25 millones
• Sectores atendidos: minorista, servicios profesionales, tecnología, fabricación
• Portafolio de préstamos comerciales: £ 22.3 mil millones

Grandes clientes corporativos

El segmento de banca corporativa incluye 5.200 grandes clientes corporativos con las siguientes características:

Segmento corporativo	Número de clientes	Valor total de la relación bancaria
FTSE 100 empresas	85	£ 176 mil millones
Corporaciones multinacionales	1,200	£ 124 mil millones
Corporaciones del mercado medio	3,915	£ 89 mil millones

Individuos de alto nivel de red

Barclays Private Bank atiende a clientes de alto patrimonio con segmentación específica:

• Total de clientes de alto nivel de red: 72,500
• Valor mínimo de la cartera: £ 1 millón
• Riqueza promedio del cliente: £ 4.7 millones

Inversores corporativos internacionales

Detalles del segmento de inversión corporativa global:

Región	Número de inversores corporativos	Valor de la cartera de inversiones
Reino Unido	2,300	£ 87 mil millones
Europa	1,150	£ 62 mil millones
América del norte	850	£ 41 mil millones
Asia-Pacífico	600	£ 28 mil millones

Barclays PLC (BCS) - Modelo de negocio: Estructura de costos

Inversiones de infraestructura tecnológica

En 2023, Barclays invirtió £ 1.6 mil millones en tecnología e infraestructura digital. El desglose del gasto tecnológico del banco incluye:

Categoría de inversión tecnológica	Cantidad (£ millones)
Infraestructura de computación en la nube	453
Sistemas de ciberseguridad	312
Plataformas de banca digital	425
AI y tecnologías de aprendizaje automático	210

Compensación y capacitación de empleados

Los gastos totales relacionados con los empleados de Barclays para 2023 fueron de £ 9.2 mil millones, con la siguiente asignación:

• Salarios base: £ 6.3 mil millones
• Bonos de rendimiento: £ 1.8 mil millones
• Capacitación y desarrollo: £ 245 millones
• Beneficios para empleados: £ 855 millones

Gastos de cumplimiento regulatorio

Los costos relacionados con el cumplimiento para Barclays en 2023 totalizaron £ 782 millones, distribuidos de la siguiente manera:

Área de cumplimiento	Cantidad (£ millones)
Anti-lavado de dinero	276
Prevención del delito financiero	214
Informes regulatorios	172
Personal de cumplimiento	120

Mantenimiento de la plataforma digital

Los costos de mantenimiento de la plataforma digital para 2023 fueron de £ 412 millones, que incluyen:

• Actualizaciones de la aplicación de banca móvil: £ 98 millones
• Infraestructura del sitio web: £ 127 millones
• Mejoras de seguridad digital: £ 87 millones
• Actualizaciones del sistema bancario en línea: £ 100 millones

Costos de marketing y adquisición de clientes

El gasto de marketing de Barclays para 2023 alcanzó £ 345 millones, con el siguiente desglose:

Canal de marketing	Cantidad (£ millones)
Marketing digital	142
Publicidad de medios tradicional	98
Campañas de adquisición de clientes	105

Barclays PLC (BCS) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos e hipotecas

Para el año fiscal 2023, Barclays informó ingresos por intereses netos de £ 10.6 mil millones. Desglose de las fuentes de ingresos por intereses:

Segmento	Ingresos por intereses (mil millones)
Banca minorista del Reino Unido	4.2
Banca corporativa y de inversión	5.1
Banca internacional	1.3

Tarifas de banca de inversión

Los ingresos de la banca de inversión para 2023 totalizaron £ 4.3 mil millones, con el siguiente desglose de la tarifa:

• Aviso de fusión y adquisición: £ 1.6 mil millones
• Servicios de suscripción: £ 1.9 mil millones
• Mercados de capital de deuda: £ 0.8 mil millones

Ingresos de gestión de activos

Barclays Asset Management generó ingresos de £ 2.1 mil millones en 2023, con segmentos clave:

Segmento de gestión de activos	Ingresos (£ millones)
Gestión de patrimonio	1,200
Fondos de inversión	650
Inversiones institucionales	250

Tarifas de transacción y servicio

Las tarifas de transacción para 2023 ascendieron a £ 3.7 mil millones, incluyendo:

• Tarifas de procesamiento de pagos: £ 1.5 mil millones
• Tarifas de administración de cuentas: £ 1.2 mil millones
• Tarifas de transacción con tarjeta de crédito: £ 1.0 mil millones

Ingresos comerciales de divisas

El comercio de divisas generó £ 1.8 mil millones en ingresos para 2023, con distribución geográfica:

Región	Ingresos comerciales FX (£ millones)
Europa	800
América del norte	600
Asia Pacífico	400

Barclays PLC (BCS) - Canvas Business Model: Value Propositions

You're looking at the core value Barclays PLC offers its customers and shareholders as of late 2025, grounded in its strategic direction.

The bank's primary value proposition rests on its diversified universal bank model, which balances the stability of its UK-centric retail and business banking with the higher margins from its global Investment Bank.

This balance is quantified by segment performance and targets:

Metric / Segment	2024 Actual	2025 Guidance / Latest Data (Q2 2025)	2026 Target
Group RoTE	10.5%	c.11% (Upgraded from c.11%) / Q2 Statutory RoTE: 12.3%	In excess of 12%
Barclays UK RoTE	23%	19.7% (Q2 2025)	N/A
Investment Bank RoTE	8.5%	12.2% (Q2 2025)	Greater than 12% (Implied by segment performance meeting 2026 goal early)
Group Cost-to-Income Ratio (CIR)	62%	59% (Q2 2025)	High 50s %

The commitment to operational excellence is a key value driver, aiming to improve the Group CIR to c.61% for the full year 2025, moving toward the 2026 target of the high 50s %. This efficiency drive is supported by a targeted gross saving of approximately £0.5 billion.

For corporate clients, Barclays PLC offers access to global capital markets and sophisticated advisory services, a value proposition underpinned by its scale:

• Facilitated over $1.8 trillion in funding to businesses in the US through global equity and debt markets in 2024.
• Serves around a quarter of UK corporates and approximately 1 million SMEs.
• Investment Bank income growth was strong, with revenue increasing by 16% year-over-year in Q1 2025.

As a UK-centered financial leader, the bank emphasizes stability in its home market, especially following the acquisition of Tesco Bank. This focus is reflected in the Net Interest Income (NII) projections:

Barclays PLC forecasts Group NII, excluding the Investment Bank and headquarters, to surpass £12.5 billion for 2025, with the Barclays UK segment contributing more than £7.6 billion of that. The bank supports over 20 million UK retail customers.

A core value proposition for shareholders is the commitment to return capital. Barclays PLC has a multi-year plan to return at least £10 billion of capital to shareholders through dividends and share buybacks between 2024 and 2026.

The progression toward this goal is evident in recent payouts:

• Total capital distributions for 2024 were £3.0 billion.
• Total payouts in the first half of 2025 reached £1.4 billion, representing a 21% increase compared to H1 2024.
• The dividend per share increased to 8.4p in 2024, up from 8.0p in 2023.

The bank has upgraded its 2025 RoTE guidance to greater than 11%, building on the 2024 actual of 10.5%, keeping it firmly on track for the 2026 target of RoTE in excess of 12%. The Q2 2025 statutory RoTE of 12.3% already exceeded the 2026 target for that specific quarter.

Finance: draft 13-week cash view by Friday.

Barclays PLC (BCS) - Canvas Business Model: Customer Relationships

You're looking at how Barclays PLC structures its interactions with its diverse client base, from mass-market retail to the ultra-wealthy. The approach is segmented, moving from high-tech self-service to dedicated, high-touch advisory models.

Dedicated relationship managers for Wealth and Investment Banking clients are a cornerstone for the higher-value segments. Barclays Private Bank and Wealth Management is actively bolstering this with plans to hire up to 100 more advisers, including relationship managers, to serve its target market. Eligibility for Relationship Management within Barclays International Banking specifically requires a minimum of £250,000 (or currency equivalent) across all accounts. The Private Banking International business focuses on clients with more than £5m in investable assets. The overall Private Bank and Wealth Management division ended 2024 with invested assets (under management and supervision) reaching £124.6 billion, a significant increase from £108.8 billion at the end of 2023.

The bank is segmenting its UK wealth proposition to capture clients earlier, targeting about 4 million Barclays UK customers with investable assets between £250,000 to £3 million for enhanced services.

The commitment to personalized service is quantified by the bank's focus on its high-value segment:

Metric	Value/Target	Context
High-Net-Worth Client Retention (2024)	92%	Targeted high-touch retention rate for HNW clients.
PBWM Total Income (Full Year 2024)	£1.309 billion	Year-on-year income growth of 8% for the division.
PBWM Attributable Profit (2024)	£288 million	A fall of 13% for the full year 2024.
PBWM Q4 2024 Cost/Income Ratio	75%	Narrowed from 82% in Q4 2023.

Highly personalized, data-driven service via cloud-based CRM is an underlying operational requirement to support these relationship managers, though specific CRM usage statistics aren't public. The bank is increasing technology spending in the wealth business by more than 75% from 2021-2022 levels to support this.

For the broader customer base, self-service digital tools via the Barclays app and online portals are heavily utilized. The Barclays app recorded nearly five billion logins a year in 2024. Furthermore, 35% of Barclays business clients have downloaded the mobile app, and nearly 50% of their mobile bankers use the app on a daily basis.

Barclays PLC also maintains structures for financial assistance teams for customers facing financial difficulty, reflecting an empathetic approach to customer support. In 2024, the bank reported a 36% reduction in BPLC customer complaints compared to 2023, alongside improvements in customer satisfaction during phone interactions. Research sponsored by Barclays indicates that individuals struggling with long-term financial difficulties are 5.5 times more likely to experience a mental health problem.

The digital engagement of the retail base is strong:

• The Barclays app has nearly five billion logins a year (2024 data).
• 35% of Barclays business clients use the mobile app.
• The bank serves over 20 million retail customers in the United Kingdom.

Finance: draft 2026 customer engagement KPI targets by Friday.

Barclays PLC (BCS) - Canvas Business Model: Channels

You're looking at how Barclays PLC gets its value propositions to its customers across its diverse segments, which is a mix of shrinking traditional footprints and expanding flexible, digital access points.

The global network of physical branches is definitely being reduced, reflecting a shift in customer behavior. Barclays planned to shut six branches in 2025, following 90 closures in 2024 and 177 closures in 2023. As of January 2024, Barclays had 1,447 branches in the UK.

Channel Metric	2023 Count	2024 Count (Planned/Actual)	2025 Count (Planned)
UK Branch Closures	177	90	6
Total UK Branches (Jan 2024)	N/A	1,447	N/A

To maintain an in-person presence where demand no longer supports a full branch, Barclays Local flexible banking pop-ups are expanding across community spaces. Barclays had 200 Barclays Local sites open by the end of 2022, with plans to expand by over 70 more sites in the first half of 2023. This network is now live in over 300 locations, situated in places like libraries and town halls.

For mass-market self-service, the digital channels are the primary interface. Over 90% of customer transactions were conducted via the Barclays app or online in the period leading up to late 2025. Over 10 million people bank using the Barclays app.

• 87% of UK adults use some form of online or remote banking, equating to approximately 47 million people.
• Globally, 77% of all banking interactions now happen through digital channels.
• 89% of all U.S. banking customers use online banking platforms.

Dedicated corporate and investment banking offices are strategically placed in global financial centers to serve institutional clients. The New York office serves as Barclays' US headquarters and the Americas hub for the Corporate and Investment Bank (CIB), housing over 4,500 professionals.

Region	Key Financial Center Locations
Americas (US Hub)	New York (HQ/CIB Hub), Atlanta, Boston, Chicago, Houston, Los Angeles, Menlo Park, San Francisco, Seattle, Washington DC
International Presence	UK, Brazil, Canada, India, Japan, Korea, Luxembourg, Macedonia, Saudi Arabia, Singapore, Spain, Switzerland, Johannesburg (South Africa)

Mobile banking vans and banking pods supplement the physical network, offering scheduled, non-cash support. As part of the Barclays Local service expansion announced in early 2023, the bank planned to add six electric vehicle (EV) banking vans to an existing fleet of 10. These mobile units and pods operate at set times in public spaces or shopping centers, providing guidance but no counter service.

Barclays PLC (BCS) - Canvas Business Model: Customer Segments

Barclays PLC serves a diversified client base across its five main divisions, with specific quantitative criteria defining entry into several key segments as of late 2025.

The core UK Retail Banking segment is defined by specific income and age thresholds, forming the base of the Barclays UK division.

• Adults aged 25-55.
• Minimum annual income of £30k.

This foundational segment is substantial; Barclays holds a 10% market share in UK retail banking as one of the 'Big Four' institutions, and the UK retail banking division is trusted by over 20 million customers as of Q3 2025.

The Mass Affluent Segment represents a crucial, high-value group within the wealth management franchise, characterized by their investable assets.

This segment contributed approximately 40% of the division's 2024 profits, making it the largest revenue share contributor among the B2C groups mentioned in the strategy review.

For the Global Corporate and Institutional Clients, the threshold for inclusion in the UK Corporate Bank is based on annual revenue, while the Investment Bank targets larger entities globally.

The UK Corporate Bank serves clients with annual revenue greater than £6.5m through to FTSE 350 companies, acting as a trusted banking partner to c.13k clients as of Q3 2025. The criteria for the broader institutional segment includes annual turnover above £6.5 million.

The Specialist US Consumer Bank focuses heavily on credit card users, an area where Barclays is a significant player in the US market.

Barclays is the #8 US card issuer, serving over 24 million customers through its co-branded credit card programs as of Q3 2025. The US division generated over £3.2 billion in income in 2024. Across the entire US market in 2025, there are over 827 Million credit cards circulating.

High-Net-Worth Individuals and Private Banking clients are served by the Private Bank and Wealth Management (PBWM) division, which focuses on securing and growing significant client assets.

As of Q3 2025, PBWM held Client Assets and Liabilities of £221.5bn. This segment demonstrated strong loyalty, achieving an exceptional 92% retention rate in 2024.

Here is a summary of the key segments and their associated financial or statistical markers:

Customer Segment	Defining Criteria/Metric	Associated Financial/Statistical Number
Core UK Retail Banking	Adults aged 25-55 with min £30k income	20 million+ customers (UK retail division)
Mass Affluent Segment	Investable assets between £100k-£500k	Contributed 40% of division's 2024 profits
Global Corporate & Institutional Clients	Annual turnover above £6.5 million	c.13k clients (UK Corporate Bank)
Specialist US Consumer Bank Card Users	Co-branded credit card holders	#8 US card issuer
High-Net-Worth Individuals & Private Banking	Client Assets and Liabilities (AUM proxy)	£221.5bn in Client Assets and Liabilities (Q3 2025)

The US Consumer Bank segment, which houses the specialist credit card users, saw its book characterized by a prime average customer FICO score of >750 as of Q3 2025.

Finance: draft 13-week cash view by Friday.

Barclays PLC (BCS) - Canvas Business Model: Cost Structure

The Cost Structure for Barclays PLC is heavily influenced by personnel expenses, technology modernization, and navigating the regulatory landscape. You see this reflected in the scale of their operating expenses, which are managed with a clear efficiency goal in mind.

The Investment Bank component is a major cost center, primarily driven by staff compensation and performance-related pay. While specific compensation figures aren't explicitly broken out in the latest releases, the overall expense base reflects this significant outlay. Furthermore, Barclays continues to absorb significant IT and digital transformation investment costs as part of its multi-year strategic plan to modernize infrastructure and enhance digital offerings across its franchises.

Regulatory compliance and risk management costs are a constant, non-discretionary expense. This category is visibly impacted by specific conduct provisions, such as the one related to motor finance.

A concrete example of a regulatory-driven cost is the motor finance redress provision, totaling £325 million as of Q3 2025. This provision followed a review of the Financial Conduct Authority's (FCA) consultation paper CP25/27, resulting in an incremental charge of £235 million recognized in Q3 2025, up from a prior provision of £90 million at the end of 2024. This specific charge was estimated to reduce the Group's CET1 ratio by approximately 5 basis points.

The overarching focus for managing these expenditures is efficiency. Barclays is intensely focused on operating costs aimed at achieving a cost-to-income ratio in the high 50s by 2026. This target is supported by ongoing structural cost actions; for instance, the bank achieved its gross efficiency savings target of £500 million for 2025 one quarter early. The total gross efficiency savings target set for the end of 2026 is £2 billion.

Here's a quick look at the most recent reported operating cost figures, which encapsulate all these drivers:

Metric	Period/Date	Amount (GBP)
Group Total Operating Expenses	Q3 2025	£4.5bn
Group Operating Costs (Absolute)	Q3 2025	£4.3bn
Group Total Operating Expenses (YTD)	Nine Months Ended Q3 2025	£13.1bn
Group Operating Costs (YTD)	Nine Months Ended Q3 2025	£12.7bn
Motor Finance Redress Provision (Total)	As of Q3 2025	£325 million
Motor Finance Redress Incremental Charge	Q3 2025	£235 million
2025 Guidance Cost:Income Ratio	Full Year 2025	c.61%
2026 Target Cost:Income Ratio	Year End 2026	High 50s %

The cost base in Q3 2025 showed a 14% year-on-year increase in total operating expenses, which management attributed to Tesco Bank costs, further investment spend, business growth, and inflation, partially offset by cost efficiency savings of approximately £180 million for the quarter.

You can see the efficiency drive in the year-to-date figures as well:

• Group total operating expenses for the nine months ended Q3 2025 were £13.1 billion, an 8% year-on-year increase.
• This increase was partially offset by approximately £530 million of cost efficiency savings year-to-date.
• The cost-to-income ratio for the nine months ended Q3 2025 was 59%, an improvement from 63% in the same period last year.

Finance: draft a sensitivity analysis on the impact of a 100 basis point increase in staff compensation costs on the 2026 cost-to-income target by next Tuesday.

Barclays PLC (BCS) - Canvas Business Model: Revenue Streams

You're looking at how Barclays PLC actually makes money, which is key to understanding its valuation, so let's break down the reported and forecasted revenue streams as of late 2025.

Net Interest Income (NII) from lending and deposits remains a foundational pillar. For the full year 2025, Barclays PLC forecasts Group NII, excluding the Investment Bank (IB) and Head Office, to be more than £12.6 billion. This is supported by the Barclays UK NII guidance, which is set to exceed £7.6 billion for FY25. For the nine months ended September 30, 2025, the Group NII excluding IB and Head Office reached £9,363 million. In the third quarter of 2025 alone, this specific NII component was £3.3 billion, marking a 16% increase year-on-year.

The Investment Bank contributes through various activities, including advisory and underwriting, which fall under Investment Banking fees. In Q3 2025, the overall Barclays Investment Bank income saw an 8% increase year-on-year, with growth noted across Global Markets and Investment Banking. To give you a sense of stability, stable income streams within the Investment Bank, which include Financing, accounted for 40% of the division's income over the past year, up from 29% in 2021.

Income from the consumer-facing parts of the business is significant. The US Consumer Bank (USCB), which drives credit card and unsecured lending income in the US, reported an income increase of 19% in Q3 2025, helped by repricing and the acquisition of the General Motors co-branded cards portfolio. At the end of Q1 2025, the US Consumer Bank's end net receivables stood at $33.0 billion.

Trading income from the Markets division is captured within the Investment Bank's Global Markets segment. The bank noted capturing the benefit of greater market volatility in Q1 2025. The overall Group income for Q3 2025 was £7.2 billion, up 9% year-on-year.

Finally, Wealth and Private Banking fees are generated by the Barclays Private Bank and Wealth Management (PBWM) division. This segment's income grew by 3% in Q3 2025, driven by higher client balances from net new inflows and market movements.

Here's a quick look at the Q3 2025 income breakdown by major segment:

Revenue Stream Component	Q3 2025 Income (Reported)	Year-on-Year Change (Q3 2025 vs Q3 2024)
Group Income (Total)	£7.2 billion	Up 9%
Group NII excl. IB and HO	£3.3 billion	Up 16%
Barclays UK Income	Not explicitly stated	Up 16%
Barclays Investment Bank (IB) Income	Not explicitly stated	Up 8%
Barclays US Consumer Bank (USCB) Income	Not explicitly stated	Up 19%
Barclays Private Bank and Wealth Management (PBWM) Income	Not explicitly stated	Up 3%

You can see the focus on stable income streams across the business:

• Structural hedge income continues to support Barclays UK NII growth.
• Financing and International Corporate Bank are driving stable income growth within the Investment Bank.
• Barclays UK serves over 20 million customers.
• The bank has locked in £11.1 billion of gross structural hedge income for 2025 and 2026.

The overall FY2025 guidance points to a strong NII performance, which is the core engine for the bank right now. Finance: draft 13-week cash view by Friday.