Card Issuer Profile: Barclaycard

Barclaycard is one of the largest credit card issuers in the UK, but has placed a massive emphasis on its program of global expansion. Through a combination of direct market entry, partnership and acquisition Barclaycard is now present in the US, Europe, Africa, Asia and the Middle East. This profile provides an overview of its current market positioning, strategy and future outlook.

Report Highlights

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Table 1: Barclays board of directors and executive committee details, 2008 6
Table 2: Barclays group global employees by function 7
Table 3: Timeline of Barclaycard's major market entry and expansion activities, 1966-2008 10
Table 4: Barclaycard's cards in issue breakdown by country, 2003-07 17
Table 5: APR rates and introductory offers applicable to Barclaycard's UK retail product range, 2008 25
Table 6: Scorecard logic, part one 40
Table 7: Scorecard logic, part two 41
Table 8: Barclaycard credit cards in issue by geography, 2007 43
Table 9: Barclaycard credit cards in issue by division, millions, 2003-07 43
Table 10: Barclaycard credit card receivables, 2003-07 43
Table 11: The revenues, costs and net profits of the Barclays group, 2003-07 44
Table 12: Barclays' assets, 2003-07 44
Table 13: Barclaycard's revenues, costs and net profit, 2003-07 44
Table 14: Barclays' pre-tax profit by sector, 2007 45
Table 15: Current relevant publications 46
Table 16: Future relevant publications 46
Figure 1: Barclaycard's international card and lending business locations, 2008 9
Figure 2: Barclaycard US is growing in importance, 2007 15
Figure 3: Barclaycard International has demonstrated strong overall growth, 2003-07 16
Figure 4: Overall, Barclaycard International is gaining in significance, 2003-07 18
Figure 5: Barclaycard has enjoyed strong growth in balances outstanding, 2003-07 19
Figure 6: Barclays has seen its profit fall in 2007, 2003-07 20
Figure 7: Barclaycard has seen its profit rise in 2007, 2003-07 21
Figure 8: Barclaycard contributed over 5% to Barclays' overall profit, 2007 22
Figure 9: Barclays has a large balance sheet, 2003-07 23
Figure 10: Examples of Barclaycard US co-brand partnerships, 2008 27
Figure 11: Barclaycard's offering in the UAE, 2008 28
Figure 12: Barclays PINSentry is a further attempt to tighten security in the online space, 2008 29
Figure 13: Barclaycard Competitor Benchmark, 2008 39
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