Strategic Shareholder Climate and Risk Financial Financial Barclays PLC 48 report information sustainability report Governance review review statements Annual Report 2022 Divisional reviews About Barclays We are diversified by business, geography and income type. Our operations include consumer banking and payment services in the UK, US and Europe, as well as a global corporate and investment bank. The Consumer, Cards and Payments division of Our structure Barclays UK Barclays International is comprised of our Barclays UK consists of our UK Personal Banking, Barclays operates as two divisions, Barclays UK and Barclays International, International Cards and Consumer Bank, Private UK Business Banking and Barclaycard Consumer Bank and Barclaycard Payments businesses. supported by our service company, Barclays Execution Services. UK businesses. These businesses are carried on by our UK ring-fenced bank (Barclays Bank UK PLC) As part of our International Cards and Consumer and certain other entities within the Barclays Group. Bank, in the US we have a partnership-focused business model, offering credit cards to consumers UK Personal Banking offers retail solutions to help through our relationships. We also offer online customers with their day-to-day banking needs. retail savings products, instalment payments and personal loans. UK Business Banking serves business clients, from high-growth start-ups to small and medium-sized In Germany, we offer multiple consumer products enterprises, with specialist advice for their business including own-branded and co-branded credit cards, banking needs. online loans, electronic Point of Sale (ePOS) financing and deposits. Barclaycard Consumer UK is a leading credit card provider, offering flexible borrowing and payment Barclaycard Payments enables businesses of all sizes solutions, while seeking to deliver a leading customer to make and receive payments. experience. Our Private Bank offers banking, credit and Barclays International investment capabilities to meet the needs of our clients across the UK, Europe, the Middle East and Barclays International consists of our Corporate and Africa, and Asia. Investment Bank and Consumer, Cards and Payments businesses. These businesses operate Barclays Execution Services within our non ring-fenced bank (Barclays Bank PLC) and its subsidiaries, and certain other entities within Barclays Execution Services is the Group-wide the Group. service company providing technology, operations and functional services to businesses across Barclays Corporate and Investment Bank is the Group. comprised of the Investment Banking, Corporate Banking and Global Markets businesses, aiding money managers, financial institutions, governments, supranational organisations and corporate clients to manage their funding, financing, strategic and risk management needs.