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Financial reveiw
Profit/ (loss) before tax
2000 1999 1998
£m £m £m
Retail Financial Services 1,710 1,312 1,142
Barclaycard 418 401 334
Corporate Banking
   – before impact of Finance Act
1,070
947
991
(40)
   – write-down of leases
1,070 947 951
Barclays Capital 403 311 (281)
Barclays Global Investors 65 43 51
Businesses in Transition
   – former BZW businesses
   – other 48
Other operations (1) 13 (167)
Head office functions (93) (77) (72)
Restructuring charge (232) (344)
Integration costs (7)
Goodwill amortisation (51) (13) (12)
Provision for litigation settlement (76)
Operating profit* 3,282 2,593 1,885
Loss on sale or restructuring of BZW (30) (3)
Profit/(loss) on disposal of other Group undertakings 214 (108) 4
Write-down of fixed asset investments (4)
3,496 2,455 1,882
* including (loss)/income from joint ventures and associated undertakings (2000 (£8m), 1999 (£14m), 1998 £22m).