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BarclaysAnnual Review 1999
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Presentation of information

Financial data
         Graphs
         Consolidated profit and loss account summary
         Selected financial statistics
         Consolidated balance sheet summary
         Weighted risk assets and capital ratios
         Selected financial statistics

Business description
         Introduction
         Retail Financial Services
         Corporate Banking
         Barclays Capital
         Barclays Global Investors
         Other operations
         Head office functions
         Competition
         Changes in reporting of Group structure in 1999
         Changes in accounting presentation

Financial review

         Overview
                  Profit/(loss) before tax
                  Total assets
                  Weighted risk assets
                  Summary profit and loss account

         Analysis of results by business
                  Introduction
                  Retail Financial Services (incorporates UK Retail Banking and Barclaycard)
                  Corporate Banking
                  Barclays Capital
                  Barclays Global Investors
                  Business in Transition
                  Other (incorporates Other operations and Head Office functions)

         Results by nature of income and expense
                  Introduction

                  Net interest income
                            Net interest income
                            Prevailing average interest rates
                            Average interest earning assets and liabilities
                            Yields, spreads and margins

                  Non interest income
                            Net fees and commissions
                            Dealing profits
                            Other operating income

                  Costs
                            Administrative expenses - staff costs
                            Administrative expenses - other
                            Depreciation and amortisation

                  Provisions
                            Provisions for bad and doubtful debts
                            Provisions for contingent liabilities and commitments

                  Exceptional Items
                            Loss on sale or restructuring of BZW
                            (Loss)/Profit on disposal of other undertakings
                            Tax
                            Total assets and liabilities
                            Repo transactions
                            Restructuring charge

         Average balance sheet and net interest income
                  At year end
                  Changes in net interest income - volume and rate analysis

         Capital Resources
                  Capital resources
                  Capital ratios
                  Capital adequacy data

         Deposits

         Short-term borrowings

         Securities

         Risk Management
                  Introduction
                  Operational risk management
                  Legal risk management
                  Market risk management
                  Liquidity risk management
                  Credit risk management

         Credit risk
                  Analysis of loans and advances
                  Loans and advances to banks
                  Loans and advances to customers
                  Provisions for bad and doubtful debts
                  Potential credit risk lendings
                  Cross-border outstandings

         Trading activities

         Treasury asset and liability management

Other information
         Economic and monetary environment
         Supervision and regulation
         Year 2000 readiness disclosure
         Factors that may affect future results

Directors and officers

Directors' report

Corporate governance
         Introduction
         The Board and Board Committees

         Report on Remuneration
                  Introduction
                  Review of Share Incentive Schemes
                  Service Contracts
                  1999 Directors' emoluments
                  Pension arrangements
                  Share options

         Relations with Shareholders
         Accountability and Audit


Auditors' report
         UK audit report to the members of Barclays PLC
         UK audit report to the Boards of Directors and shareholders of Barclays PLC and Barclays Bank PLC

Consolidated accounts - Barclays PLC
         Summary of significant accounting policies
         Acconting presentation
         Consolidated profit and loss account
         Statement of total recognised gains and losses
         Consolidated balance sheet
         Consolidated statement of changes in reserves
         Consolidated cash flow statement
         Parent company accounts
         Notes to the accounts

Form 20-F
         Cross reference
         Currency of presentation
         Glossary

Consolidated accounts - Barclays Bank PLC
         Consolidated profit and loss account
         Statement of total recognised gains and losses
         Consolidated balance sheet
         Consolidated statement of changes in reserves
         Consolidated cash flow statements
         Notes to the accounts
         Financial data

US GAAP financial data

Shareholder information
         Dividends
         Trading market for ordinary shares of Barclays PLC
         Trading market for preference shares of Barclays Bank PLC
         Shareholdings at year end
         Taxation
         Exchange controls and other limitations affecting security holders
         Shareholder enquiries

Group senior management and principal offices

Annual Review and SFS