I-Barclays ifinyelele esivumelwaneni sokuthola inkundla yemalimboleko yomuntu siqu yase-US Iqanda Elingcono Kakhulu layo Ama-dollar ayi-800 (cishe ama-euro ayizigidi ezingama-687), ukuhlinzwa okwenziwa ngoxhaso lwayo lwamabhange omthengi e-US, I-Barclays Bank Delaware (USCB)Ibhizinisi ngaleyo ndlela liqinisa amandla alo okuqalisa isikweletu esingavikelekile kanye nokuba khona kwaso emakethe yaseNyakatho Melika.
Ibhange laseBrithani lithi ukuthengiselana kuzokwandisa izinga lezimali zabathengi futhi kuhlukanise imithombo yemali engenayo izimali zezinsizakalo nokuphathaisekelwa imodeli yokuqinisekisa impahla. Ukuvala kulindeleke ngo- ikota lesibili lika-2026, kuncike ekugunyazweni okulawulwayo kanye nokuqedwa kokuthengiswa okwamenyezelwa ngaphambilini Ama-akhawunti ekhadi lesikweletu le-American Airlines ayatholwa.
Ukuhlinza kuhlanganisa ini
I-Best Egg, eyasungulwa ngo-2013, yakhe i-franchise yedijithali egxile emalimboleko yabathengi. Selokhu yethulwa, isize yaba lula ngaphezu kwezigidi ezingama-40.000 zamaRandi kumakhredithi angaphezu kwalokho amakhasimende ayizigidi ezimbili, futhi okwamanje uphethe nxazonke Ama-dollar ayi-11.000 emalimboleko yomuntu siqu. Inkampani ilindele ukuvela ngaphezu kwalokho $ 7.000 billion ngo-2025.
Ku-Barclays, ukungezwa kwe-Best Egg kuhambisana nebhizinisi layo lamakhadi elisungulwe e-United States futhi kuletha amakhono edijithali nawokulawula ubungozi esigabeni esidingeka kakhulu. Inhlangano igcizelela ukuthi i Imakethe yezezimali yabathengi base-US es ejulile futhi eyinkimbinkimbi, okunikeza amandla amakhulu okukhula.
Ngokuya nge-capital, ukuthenga kuzodla cishe 16 CET1 amaphuzu ayisisekeloNgaphandle kwalokhu, i-Barclays iwugcinile umhlahlandlela wamaholo abanikazi bamasheya ngenhloso yokuwusabalalisa okungenani amaphawundi ayizigidi eziyizinkulungwane eziyi-10.000 phakathi kuka-2024 no-2026, ngaphandle kwezinguquko ezinhlosweni zabo ezimenyezelwe.
Ibhizinisi lilindele ukuthi ukuthengiselana kwenyuse buyisela ekulinganeni okubambekayo (RoTE) kusuka ku-USCB kusukela ngo-2027 futhi kube negalelo ekufinyeleleni umgomo oseduze 15% ngemuva kuka-2026Ngaphezu kwalokho, iqembu lilindele umnikelo omuhle kuwo umholo ngesabelo ngasinye uma ama-synergies esehlanganisiwe.
I-Barclays ihlela ukuqhubeka nemodeli ye suka futhi usabalalise: izogcina eshidini layo lebhalansi a ingxenye encane yokugeleza kwemalimboleko entsha ekhiqizwe i-Best Egg futhi izodlulisela okunye abatshalizimali bezikhungo ngokusebenzisa izibambiso ezisekelwa yimpahla (ABS)ukuthola amakhomishana okuphatha kanye nokusevisa.
I-Strategic fit for Europe kanye neqembu
Kubatshalizimali base-Europe, isivumelwano sihambisana namasu eqembu. hlukanisa imali engenayo ngale kwesilinganiso senzalo, iphromotha imigqa yenkokhelo yemali encane exhunywe ekusungulweni nasekuphathweni kwamaphothifoliyo avikelekile. Le nhlanganisela inganciphisa ukuguquguquka kwe iphrofayela yezinzuzo kuwo wonke umjikelezo.
Isifiso sokudla izimpahla zabathengi e-United States futhi sisekelwa i-ecosystem yezezimali lapho isidingo se-ABS sikhona. iqinile futhi ihlukahlukeneNoma kunjalo, ibhizinisi ligcizelela ukubaluleka kwe-a isiyalo esiqinile sobungozi, kulandela imicimbi yakamuva yemakethe eye yahlola ikhwalithi yesikweletu kanye nezindlela zokuvikela zokukhishwa kwebhondi yokudayisa kanye ne-subprime.
Izenzakalo ezizayo kanye nomugqa wesikhathi
Ezinyangeni ezizayo, kuzokwenziwa ukugunyazwa kwemithetho kanye nomsebenzi wokuhlanganisa ukusebenza, ngenhloso yokulondoloza isilinganiso sokuqala kanye nokuqhubeka kwesikhulumi. Ingqophamlando yokuvala isasele ku- Ikota yesi-2 ka-2026, uma izimo ezandulele sezihlangatsheziwe.
Ukwengeza, ukuvalwa kuhlotshaniswa nokuqedwa kwe Ukuthengiswa kokutholwayo kwekhadi lesikweletu elinophawu lwe-American AirlinesLokhu kuthengiselana, osekumenyezelwe yi-Barclays, kuzokwenza lula ukwabiwa kabusha kwezinsiza kanye nokwenza kahle amafa anesisindo sobungozi Ngaphakathi kweqembu.
Lo msebenzi uza ngemuva kwesikhathi sokuthuthuka kokusebenza eqenjini, elisanda kumemezela a £500 million share buyback kanye nezinhloso ezibuyekeziwe zenzuzo, ezisekelwa ukukhula kwemali engenayo kanye nenqubekelaphambili ku ukusebenza kahle kwezindleko naphezu kwezinhlinzeko ezengeziwe.
Ngokutholwa Kweqanda Elingcono Kakhulu, i-Barclays ithatha isinyathelo esibalulekile ekuqondeni zuza isikali ekubolekweni kwabathengi e-USUkusebenzisa isibambiso ukuze kuguqulwe imvelaphi ibe yimali ekhokhwayo kanye nokuqinisa i-franchise yayo evela eYurophu. Intengo, i umthelela olawulwayo emaliniIshejuli yokuvala kanye nezinhloso zembuyiselo kuveza izici eziyinhloko zesu elifuna ukukhula okunenzuzo kanye nokuhlukahluka kwenhlanganisela yemali engenayo yeqembu.