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In Section 1:
Introduction

Chairman's Statement

Group Chief Executive's Statement

Financial Performance
Group Finance Director


The Leadership Team




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Our missionOur primary goalOur beliefsPage 4Page 5Page 6

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Barclaycard has developed innovative ways to share its sponsorship of the Premier League with customers. Fans who subscribe to Barclaycard's text alert service can receive latest scores and results via their mobile phones.



Openplan, which was tailored for the Spanish market, achieved tremendous success in Spain during 2002. At year-end, products per person was 4.5, well above the average of 3.2 for customers outside of Openplan.



Barclays was the first major high street bank to provide integrated banking. During 2002 almost 2 million UK customers chose the Openplan proposition, which can be individually tailored and accessed through a range of channels.



In 2002 the Barclays University (bu) initiative was fully rolled out. Metro centres were opened in Birmingham, Bristol, Manchester and Luton and a further 150 'hubs' were established.



Barclays is dedicated to establishing itself as an employer of choice. Staff are evaluated based not only on what they achieve but also on how they achieve it.



Barclays is equipping staff with the skills needed to raise the performance bar. In 2002, around 750,000 hours of training were delivered across the Group.