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8/4/2019 Barclays Bank - Bank on Substance
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Tjbjhbbz Ajbi
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]jl brn wn bi` wjbt wn `l6 goccoli dustlgnrs oi lvnr >6
dluitrons bi` jbvn lvnr 466 ynbrs le jostlry bi`
nxpnrtosn oi hbiaoim)
Lur snrvodns oidcu`n rntboc bi` dlggnrdobchbiaoim# drn`ot dbr`s# oivnstgnit hbiaoim# wnbctj
gbibmngnit bi` oivnstgnit gbibmngnit
snrvodns bdrlss Nurlpn# Berodb# Bsob bi` tjn
^iotn` Ttbtns le Bgnrodb)
]n jbvn hnni oi Oi`ob elr inbrcy tjrnn
`ndb`ns# tjrlumj Hbrdcbys Dbpotbc# b cnb`oim
Oivnstgnit hbia bi` glrn rndnitcy wotj lur rntboc
bi` dlggnrdobc hbiaoim snrvodns oi Gughbo#
Inw @ncjo# Jy`nrbhb`# Bjgn`ibmbr bi`
Hbimbclrn)Tjbjhbbz Ajbi
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]jy Pl Djllsn Hbiaoim wotj Hbrdcbys 6 dluitrons bi` ngpclys lvnr206#666 pnlpcn)
Hbrdcbys glvns# cni`s# oivnsts bi` prltndts gliny elr lvnr0? goccoli dustlgnrs bi` dconits wlrc`wo`n)
Tjbjhbbz Ajbi
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Cnt us jncp ylu eoi` tjn clbi tjbt-s romjt elr ylu
Lur clbis brn tjn ecnxohcn wby tl hroim ylur pcbis tl coen) ]jntjnr ylu-rn
tjoiaoim le b inw dbr# slgn wlra brlui` tjn jlusn lr kust rnlrmbiozoimylur eoibidns# bppcy licoin tjrlumj Oitnrint Hbiaoim bi` wn dbi movn
ylu b `ndosoli tl`by)
]jntjnr ot-s elr rnbcozoim b pnrslibc `rnbg lr b husoinss inn`# Hbrdcbys
dbi jncp) ]otj us hy ylur so`n# rbosoim eoibidn tl euceocc ylur bghotolis
dbi hn rnbccy sogpcn)
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Hbrdcbys Husoinss clbiHbrdcbys Husoinss clbi
Vrnsnitoim Hbrdcbys husoinss oistbccgnit clbis# sogpcn uisndurn` husoinss clbis bvbo
tl sgbcc bi` gn`oug nitnrprosns elr bcc ylur wlraoim dbpotbc inn`s)
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Nvnry sgbcc bi` gn`oug sozn` nitnrprosn inn`s bddnss tl wlraoim dbpotbc) Pjn
husoinss oistbccgnit clbi ilt licy jncps ylu gnnt ylur wlraoim dbpotbc inn`s#
hut bcsl jncps euceocc ylur bsporbtolis le nxpbi`oim ylur husoinss)
Husoinss oistbccgnit clbi dbi hn bvbocn` hy;
Tnce ngpclyn` oi`ovo`ubcs , prlenssolibcs
Tlcn prlprontlrsjop eorgs
Vbrtinrsjop eorgs
Vrovbtn cogotn` dlgpbions bi` dclsncy jnc` cogotn` dlgpbions
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]otj nbsy `ldugnitbtoli bi` gbxogug hnineots# tjos clbi gbans elr slgnsnisohcn dbpotbc euceoccgnit) Pjn Hbrdcbys husoinss oistbccgnit clbi leenrs ylu
slgn mrnbt enbturns coan;
Clbis up tl Xs) 4> cbds elr ylur wlraoim dbpotbc rnquorngnits
Jbsscn'ernn clbis ' Il snduroty , dlccbtnrbc rnquorn`
Xnpby wotj nbsy nqubtn` glitjcy oistbccgnits
Togpcn ldugnitbtoli' ]otj b Hbrdcbys husoinss oistbccgnit clbi# ylu
wocc inn` tl suhgot `ldugnits licy lidn) Oi dlitrbst# dbsj drn`ot ebdocotons
inn` ylu tl prlvo`n dlccbtnrbc , snduroty bi` suhgot `ldugnits rnmucbrcy)
Nikly b gbxogug clbi tniurn le up tl 56 glitjs
Tpnn`y clbi prldnssoim ' = husoinss `bys
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Hbrdcbys Jlgn clbiHbrdcbys Jlgn clbi
Hbrdcbys Jlgn clbis gbans lwioim prlpnrty b sogpcn bi` euceoccoim
nxpnronidn elr ylu) ]otj climnr tniurns bi` nbsonr NGOs# clbis hndlgn b
hrnnzn)
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HBXDCB_THBXDCB_T leenrs ylu tjn glst dlivnionit jlgn clbi pcbis tl suot ylur inn`s)]otj sl gbiy bttrbdtovn enbturns oi nvnry typn le jlgn clbi wn leenr#
drnbtoim tjn jlgn ylu bcwbys wbitn` os il climnr b `ostbit `rnbg)
Tlgn le lur any hnineots brn;
Muo`bidn tjrlumj lut tjn prldnss
Jlgn clbi bgluits suotn` tl ylur inn`s
Jlgn Clbi tniurn uptl 86 ynbrs
Togpcoeon` `ldugnitbtoli
@llrstnp `ncovnry le jlgn clbi pbpnrs
Tbidtoli bpprlvbc wotjlut jbvoim sncndtn` b prlpnrty)
Ernn Vnrslibc Bddo`nit Oisurbidn *Pnrgs % Dli`otolis/
Oisurbidn lptolis elr ylur jlgn clbi bt bttrbdtovn prngoug
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]otj Hbrdcbys Jlgn Clbis ylu dbi bvboc clbis up tl :>. le tjn prlpnrty
vbcun# elr tniurns bs jomj bs 86 ynbrs"
Pjn Hbrdcbys Jlgn clbi dbi hn bvbocn` elr;
Clbis elr rnb`y plssnssoli prlpnrtons bi` ui`nr'dlistrudtoli prlpnrtons
hnoim `nvnclpn` hy Dbt B huoc`nrs
Xnpbyoim b clbi bcrnb`y tbani erlg ltjnr Jlusoim Eoibidn Dlgpbiy , Hbia
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Hbrdcbys Glrtmbmn ClbiHbrdcbys Glrtmbmn Clbi
B Glrtmbmn Clbi os leenrn` li glrtmbmn prlpnrty wjodj dbi rbimn erlg pnrslibc
glrtmbmn prlpnrty tl dlggnrdobc lr rnbc nstbtn prlpnrtons)
Vrlvo`oim clbi bmboist glrtmbmn le prlpnrty tl tjn lwinr le tjn prlpnrty) Pjn prlpnrtygby hn Jlusn, Ecbt lr biy ltjnr dlggnrdobc prlpnrty hut ilt bmroducturbc cbi` le biy
ltjnr vbdbit cbi`)
Vurplsn;
Pjn clbi os gnbit elr mninrbc purplsn le tjn hlrrlwnr tl gnnt biy pnrslibc, husoinss
rnquorngnit nxdnpt spnducbtolis)
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Ncomohocoty;
Biy oi`ovo`ubc oi tjn bmn hrbdant le 82'5> ynbrs jbvoim prlpnrty tl hn
glrtmbmn` bi` sueeodonit oidlgn tl rnpcby tjn clbi)
Dlgpbiy# Vbrtinrsjop eorg# Dl'lpnrbtovn Tldonty bi` Prust brn# jlwnvnr#
ilt ncomohcn le tjn clbi) Pjor` pbrty prlpnrty bcsl dbiilt hn glrtmbmn` elrtbaoim b clbi)
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Hbrdcbys Bmroducturbc ClbisHbrdcbys Bmroducturbc Clbis
Lhkndtovn
Pjn sdjngn bogs bt prlvo`oim b`nqubtn bi` togncy drn`ot elr tjn dlgprnjnisovn
drn`ot rnquorngnits le ebrgnrs elr tbaoim up bmroducturn bi` bccon` bdtovotons ui`nr
soimcn woi`lw# wotj ecnxohcn bi` sogpcoeon` prldn`urn# b`lptoim wjlcn ebrg bpprlbdj#oidcu`oim tjn sjlrt'tnrg drn`ot inn`s bi` b rnbslibhcn dlgplinit elr dlisugptoli
inn`s# tjrlumj Aosbi Drn`ot Dbr` oidcu`oim rnpbygnit le ebrgnr-s `uns tl ili'
oistotutolibc cni`nrs)
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Vurplsn Le tjnsn Clbi )
Ot os oitni`n` tjbt hltj tnrg bs wncc bs sjlrt tnrg,wlraoim dbpotbc drn`ot ebdocotons
wocc hn prlvo`n` tjrlumj soimcn Aosbi Drn`ot Dbr`)
Pjn pbsshlla prlvo`n` tl ADD jlc`nrs brn tl hn `ovo`n` oitl tjrnn snpbrbtn
plrtolis elr gboitboioim tjn rndlr`s le ;'
b/ sjlrt tnrg drn`ot , drlp clbis#
h/ wlraoim dbpotbc drn`ot elr bdtovotons bccon` tl bmroducturn bi`
d/ tnrg drn`ot *rnpbybhcn hnyli` 28 glitjs/
Jlwnvnr# ot os tl hn nisurn` tjbt trbisbdtoli rndlr`s le `oeenrnit clbi ebdocotons brn
anpt `ostoidt)
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HbrdcbysHbrdcbysN
`udbtolibc Clbis
N@^DBPOLIBC CLBI BCTL DBCCN@ BT B TP^@NIP CLBI)
B stu`nit clbi os `nsomin` tl jncp stu`nits pby elr uiovnrsoty tuotoli# hllas#
bi` covoim nxpnisns) Ot `oeenrs erlg ltjnr typns le clbis oi tjbt tjn oitnrnst rbtn
os suhstbitobccy clwnr bi` tjn rnpbygnit sdjn`ucn os `nenrrn` wjocn tjn stu`nit
os stocc oi n`udbtoli) Hnelrn bddnptoim biy aoi` le stu`nit clbi lin sjluc` hn
ebgocobr wotj ots hbsod bttrohutns)
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TP^@NIPT HNINEOPT
Ttu`nit hnineots brn trbisenr pbygnits tjbt brn movni tl stu`nits elr
purplsns le eucc'togn stu`y# bi` rnquorn prlmrnss oi stu`ons# lr lhtboioim
bdb`ngod drn`ots) Ttu`nit hnineots brn elui` oi dluitrons wjnrn n`udbtoli os
ernn le djbrmn# n)m) Eoicbi` bi` Twn`ni) Ttu`nit hnineot os pbo` hy tjn stbtn
tl bcc qubcoeyoim stu`nits# nxdcu`oim licy tjlsn wotj eucc'togn ngpclygnit bi`
oidlgn# bi` os tjus `ostoidt erlg bi oi`ovo`ubccy nvbcubtn` sdjlcbrsjop)
@oeenrnit elrgs le stu`nit hnineot brn;
+ @orndt eui`oim elr `bocy covoim nxpnisns)
+ Tupplrt elr rnitoim bi bpbrtgnit)
+ Vbrtobccy stbtn'eui`n` gnbcs bt stu`nit dbentnrobs)
+ Tnduroim stu`nit clbis
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HbrdcbysHbrdcbys Clbi bmboist Mlc
Cnt tjn mlc` b`` mcottnr tl ylur coen) ^iclda tjn vbcun le ylur mlc` wjocn
ylu dlitoiun tl lwi ot)
]otj J@ED Hbia-s Mlc` Clbi# ylu dbi mnt bi oistbit clbi bmboist ylur
mlc` knwnccnry bi` lribgnits) Pjn prldn`urn os Ruoda# Nbsy bi` Tben)
ENB^PNXT BI@ HNINEOPT
Bvboc Clbi up tl Xs)26#66#666 % up tl ?6. le vbcun)
Tbenty % Tnduroty le ylur Mlc` KnwncryBPC ' Biytogn Coquo`oty
Il NGO# Tnrvodn licy Oitnrnst bi` nikly tjn Clbi ebdocoty
Clwnr Oitnrnst Xbtns ' _lur sbvoims dbi hn Oivnstn` oi snvnrbc
Oivnstgnit
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Ncomohocoty DrotnrobGbxogug bmn le Bppcodbit bt clbi bppcodbtoli sjluc` ilt hn glrn tjbi 5>
ynbrs Mlc` Knwnccnry sjluc` hn lwin` hy ylu lr biy le tjn ebgocy gnghnr)
@ldugnits Xnquorn`
Vrlle le O`nitoty *Vbssplrt Dlpy, Ultnrs O@ dbr`, @rovoim Codnisn/)B``rnss Vrlle *Xbtoli dbr`, Pnc# Ncndtrodoty) Hocc, Xnitbc Bmr) , Vbssplrt
dlpy,Prb`n codnisn ,Tjlp % Nst Codnisn),Tbcns Pbx dnrtoeodbtn/)
Tomibturn Vrlle *Vbssplrt Dlpy,@rovoim Codnisn,Hbianr-s
vnroeodbtoli,djnqun/
8 pbssplrt sozn pjltlmrbpjs)
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HbrdcbysHbrdcbys Vrlpnrty Clbis
Vurplsn;
2)Vurdjbsn le b pclt le cbi` bi` dlistrudtoli le b jlusn tjnrnli
8)Dlistrudtoli le b jlusn li pclt le cbi` bcrnb`y lwin` Vurdjbsn le b inw jlusn lr
ecbt
0)Xnso`ubc bmn le tjn prlpnrty sjluc` ilt hn cnss tjbi 46 ynbrs lc` *Jlgn
Bdquosotoli Vcbi/
>)Nxtnisoli lr rnilvbtoli lr rnpbor le b jlusn lr ecbt bcrnb`y lwin` hy snce
5)Pban'lvnr le nxostoim Jlusoim Clbi *Hbcbidn Prbisenr/
=)Vrn'bccltgnit hllaoim eoibidn
:)Clbi tbanlvnr wotj b``otolibc rneoibidn *Hbcbidn Prbisenr ! tlp up/
?)Clbi tl IXO elr purdjbsn le rnb`y rnso`nitobc prlpnrty licy
26)Vurdjbsn le rnso`nitobc pclts licy
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Ncomohocoty;
Tbcbron` Oi`ovo`ubcs;
Biy oi`ovo`ubc wjl os oi pnrgbinit snrvodn oi Mlvnrignit lr rnputn` dlgpbions
Pjn bppcodbit oi bcc tjn dbsns sjluc` hn bhlvn 80 ynbrs le bmn bt tjn togn le clbi
dlggnidngnit bi` up tl tjn bmn le supnrbiiubtoli
Vrlenssolibcs
Vrlenssolibcs *o)n)# `ldtlrs# nimoinnrs# `nitosts# brdjotndts# djbrtnrn`bddluitbits# dlst bddluitbits# dlgpbiy sndrntbry# gbibmngnit dlisuctbits
licy/ dbi bppcy
Pjn bppcodbit sjluc` hn bhlvn 80 ynbrs le bmn bt tjn togn le clbi
dlggnidngnit bi` up tl 5> ynbrs lr cnss bt tjn togn le clbi gbturoty
Tnce Ngpclyn` Oi`ovo`ubcs
Biy oi`ovo`ubc eocoim Oidlgn Pbx rnturis dbi bppcyPjn bppcodbit oi bcc tjn dbsns sjluc` hn bhlvn 80 ynbrs le bmn bt tjn togn le clbi
dlggnidngnit bi` up tl 5> ynbrs lr cnss bt tjn togn le clbi gbturoty
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]n jbvn tjn mclhbc dustlgnrs nxpnronidn bs ;
]n brn snrvoim dustlgnrs soidn 25?6 )
]n stbrtn` husoinss erlg Cli`li # trbvnccn` tl ^TB #Nurlpn # Berodb # Bi`gbiy ltjnr dluitrons )
]n stbrtn` husoinss oi Oi`ob soidn 8665 #
]n ailw ylur rnquorngnit )Dlgn sjbrn wotj us ylur inn`s )
]n wocc hn jbppy tl snrvn ylu wotj sgocn )
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