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Barclays (BARC) investor relations material
Barclays JPMorgan UK Leaders Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.JPMorgan UK Leaders Conference summary19 Nov, 2025
Macroeconomic and business environment
Both U.K. and U.S. show resilient consumer demand, low delinquencies, and stable mortgage markets, with real wage growth offsetting labor market softness.
Corporate confidence is high, with 84% of surveyed corporates planning investments post-budget.
U.K. corporate loan loss ratios remain very low at seven basis points, with strong risk protections in place.
Strategic targets and financial outlook
Targets for returns are set above 11% for this year and above 12% for next, with a new set of targets to be announced ahead of schedule, reflecting business momentum.
Focus remains on growing stable revenue sources, cost control, and sustainable capital generation, with continued investment in efficiency and technology.
AI and digital initiatives are expected to further drive efficiency, with more details to be shared in February.
U.K. and U.S. business growth
U.K. retail and corporate lending show strong momentum, leveraging multi-brand strategies and digital platforms to improve customer experience and market access.
Mortgage and card growth are supported by acquisitions and technology, with significant improvements in application and customer journey times.
U.S. Consumer Bank is shifting towards higher retail deposit weighting and operational efficiency, aiming for mid-teens RoTE by leveraging acquisitions like Best Egg.
IB sustainable returns: key drivers?
UK growth: multi-brand strategy impact?
AI's role in future efficiency gains?
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Q4 202510 Feb, 2026
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Frequently asked questions
Over 300 Years of Experience
Barclays PLC is a well-established multinational banking and financial services corporation, headquartered in London. With roots tracing back to the late 16th century, Barclays is one of the oldest financial institutions in the world. Like many similar companies, Barclays operates under a customer-centric approach while providing a broad range of financial services, including retail banking, credit cards, corporate banking, and investment banking.
A Storied History
Barclays' journey started in 1690 when John Freame and Thomas Gould started trading as goldsmith bankers in Lombard Street, London. The business grew steadily over the centuries, expanding its services and reach. The name "Barclays" was adopted in 1736 when James Barclay, a partner and eventual son-in-law of Freame, joined the business. The company has expanded and evolved over the centuries, and one notable milestone was the introduction of the world's first ATM in London in 1967. Throughout the years the bank has navigated through a changing economic landscape, including several global financial crises and sector-wide regulatory changes.
Product and Service Portfolio
Barclays Bank provides a wide array of products and services tailored to meet a broad spectrum of customer needs. Their product portfolio includes personal banking solutions such as checking accounts, savings accounts, credit cards, and mortgages. Additionally, Barclays also offers wealth management services, along with investment banking for businesses, providing solutions such as corporate lending, mergers and acquisitions advisories, and risk management. They, like all modern banks, also offer digital platforms with online and mobile services, enabling customers to manage accounts, make payments, and track investments anytime and anywhere. Some notable competitors include Goldman Sachs, Wells Fargo, and other key players in the industry.
An Influential Player in the Sector
Barclays has had a significant influence on the banking sector over the years, owing largely to its long history and widespread operations. As one of the largest banks in the world, it has often been a trendsetter, pioneering new banking products and services that have become industry standards. Its early adoption of ATMs and online banking, for instance, influenced other banks to follow suit. Barclays' influence also extends to corporate governance and sustainable banking, where its initiatives have helped shape industry practices.
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