# Contents Barclays PLC

Financial summary 3

Chairman’s statement 4

Directors’ report

Banking division 8

BZW division 12

Service Businesses division 16

Staff and the community 20

Group results 24

Directors 28

Directors’ interests in shares 31

Financial review 32

Cadbury code of best practice 54

Statement of Directors’ responsibilities 54

Auditors’ report 54

Accounting policies 55

Consolidated profit and loss account 57

Balance sheet 58

Consolidated balance sheet 59

Consolidated cash flow statement 60

Notes to the accounts 61

Segmental information 79

Five year financial summary 80

Group senior management and principal offices 82

Shareholders’ information and financial diary 84