Portafoglio Prodotti Barclays: Personal, Business, Corporate Banking e Wealth Management

Portafoglio Prodotti Barclays per Segmento

Barclays (banca universale UK-headquartered) serve quattro segmenti clienti primari:

1. Personal Banking

• Conti correnti & risparmio (Premier, Everyday, Student).
• Carte credito (Rewards, Avios, Balance Transfer).
• Prestiti: Personali, Auto, Ristrutturazione Casa.
• Mutui (Fisso, Variabile, Offset).
• Investimenti: Smart Investor (ISA, GIA, SIPP), portafogli ready-made.
• Assicurazioni: Casa, Viaggio, Vita, Pet, Gadget.

2. Business Banking (PMI)

• Conti correnti business (Start-up, Growth, Established).
• Lending: Prestiti unsecured, asset finance, mutui commerciali, Bounce Back/Recovery Loan Scheme.
• Internazionale: Conti valuta estera, FX forward, trade finance.
• Treasury: Cash management, merchant acquiring, payroll.

3. Corporate Banking (Grandi Corporate & Istituzionali)

• Treasury & Cash Management (Pagamenti, Liquidità, Rischio).
• Capital Markets (DCM, ECM, Securitization).
• Investment Banking (M&A, Advisory, Leveraged Finance).
• Corporate Finance (Strutturazione, Rating Advisory).
• Real Estate Finance (Sviluppo, Investimento, REIT).

4. Wealth Management & Private Banking

• Barclays Wealth: Gestione investimenti, pianificazione finanziaria, trust/estate, family office (HNW/UHNW).
• Barclays Private Bank: Gestione discrezionale bespoke, advisory filantropia, advisory arte/real estate, educazione next-gen.

Canali digitali (app, online) unificano accesso cross-segmenti. Ring-fencing regolamentare separa retail UK da investment bank activities.