Interim Results - Part 2

BARCLAYS PLC
5 August 1999


PART 2
                                                                      
                      FINANCIAL REVIEW

Results by nature of income and expense
                                      Half-year ended
Net interest income                30.6.99  31.12.98   30.6.98
                                        £m        £m        £m
Interest receivable                  4,497     4,938     5,014
Interest payable                   (2,219)   (2,728)   (2,876)
Profit on redemption/repurchase          -         -         3
of loan capital
                                     2,278     2,210     2,141
Write-down of leases                     -         -      (40)
                                     2,278     2,210     2,101
Excluding former BZW businesses                               
and write-down of leases             2,278     2,211     2,142

Net interest income rose by 6% or £136m excluding the contribution from the
former BZW businesses and the write-down of leases.  Adjusting for these and
the loss of interest income resulting from share repurchases and other
business disposals, underlying net interest income increased by 7%.  This
reflected strong growth in Retail Financial Services and an improved
contribution from the central management of Group capital.

Retail Financial Services net interest income increased by 6% to £1,466m.
This increase benefited from strong growth in both average UK consumer
lending (up 13% year-on-year to £5.9bn) and extended credit card balances at
Barclaycard.  Average UK mortgage outstandings grew by 5% year-on-year with
gross new lending increasing by 47% to £2.1bn compared to the same period
last year.  In addition, average UK personal savings balances rose by 9% to
£19.4bn compared to the first six months of 1998.  Overall UK margins were
maintained, with a growth in overall asset margins being offset by a fall in
overall liability margins.

Corporate Banking net interest income rose by 4% to £610m, after adjusting
for a £16m realisation from a debt previously written off in the first half
of 1998.  This reflected a widening of spreads in overseas lending and
continued steady underlying UK loan growth.  Average customer lending
balances increased by 10% compared to the first half of 1998.  Large
corporate lending benefited from increased acquisition finance activity.
Average middle market lending rose by 10% year-on-year.  UK lending margins
have contracted slightly reflecting continued improvement in the quality of
the loan book.  Average international lending volumes grew 14% reflecting
the switch to more traditional bank lending from debt capital raisings
mainly in the second half of last year.  Average UK deposit volumes were 11%
higher than in the first half of 1998, although the growth has slowed as a
result of a contraction in the liquidity of the UK corporate sector.  The
overall liability margin reduced slightly against the first half and second
half 1998, reflecting stronger growth in lower margin treasury deposits and
the impact of falling interest rates.

Overall banking business margins increased to 3.50% from 3.38% compared to
the first half of 1998.  The Group spread improved to 2.96% (1998: 2.66%)
reflecting stronger growth in UK lendings to customers and some improvement
in the funding mix.  A widening of the gap between the managed medium term
rate and short term market rates of interest increased the contribution to
the net margin from the central management of Group interest rate exposure
to 0.21% (1998: nil).

The benefit of free funds fell to 0.54% from 0.72% with the fall in UK
interest rates more than offsetting the increase in capital and interest
free deposits.

The net surplus from the central management of Group capital improved to £9m
(1998: deficit of £59m), mainly as a result of reduced interest allocations
to businesses reflecting lower short term interest rates.

                                                                      
Yields, spreads and margins - banking business

Domestic business is conducted primarily in sterling and is transacted by
Retail Financial Services, Corporate Banking, Barclays Capital and Group
Treasury.  International business is conducted primarily in foreign
currencies.  In addition to the business carried out by overseas branches
and subsidiaries, international business is transacted in the United Kingdom
by Barclays Capital, mainly with customers domiciled outside the United
Kingdom.

The yields, spreads and margins shown below have been computed on this
basis, which generally reflects the domicile of the borrower.  They exclude
profits and losses on the redemption and repurchase of loan capital one-off
write-downs of leases and the unwinding of the discount on vacant leasehold
property provisions.

Yields, spreads and margins - banking business
                                      Half-year ended
                                  30.6.99   31.12.98   30.6.98
                                        %         %         %
Gross yield (i)                                              
Group                                6.90      7.70      7.93
Domestic                             7.85      8.85      8.96
International                        5.18      5.58      6.09
                                                             
Interest spread (ii)                                         
Group                                2.96      2.71      2.66
Domestic                             4.02      3.44      3.36
International                        1.05      1.28      1.33
                                                             
Interest margin (iii)                                        
Group                                3.50      3.45      3.38
Domestic                             4.68      4.45      4.44
International                        1.36      1.60      1.51
                                                             
Average UK base rate                 5.46      7.17      7.29

Notes
(i) Gross yield is the interest rate earned on average interest earning
    assets.
(ii)Interest spread is the difference between the interest rate earned on
    average interest earning assets and the interest rate paid on average
    interest bearing liabilities.
(iii)    Interest margin is net interest income as a percentage of average
    interest earning assets.

Average interest earning assets and liabilities - banking business

                                      Half-year ended
                                  30.6.99   31.12.98   30.6.98
Average interest earning assets        £m        £m        £m
                                                             
Group                             130,241   128,249   126,543
Domestic                           84,116    83,261    80,929
International                      46,125    44,988    45,614
                                                             
Average interest bearing                                     
liabilities
                                                             
Group                             112,307   109,269   109,181
Domestic                           69,617    67,671    65,314
International                      42,690    41,598    43,867


                                
                                      Half-year ended
Net fees and commissions          30.6.99   31.12.98   30.6.98
                                       £m        £m        £m
Fees and commissions receivable     1,551     1,563     1,445
Less: fees and commissions          (134)     (134)      (95)
payable
                                    1,417     1,429     1,350
                                                             
Excluding former BZW businesses     1,417     1,431     1,340

Excluding the contribution from the former BZW businesses, net fees and
commissions were 6% higher at £1,417m with strong growth in Corporate
Banking and Barclays Global Investors.

Fees and commissions in Corporate Banking increased by 9% to £328m as a
result of good growth in lending related fees and foreign exchange related
income.  Money transmission income was at similar levels to the first half
of 1998.

Barclays Global Investors (BGI) fee income improved by 11% to £152m.  BGI
benefited from the favourable market conditions and good levels of net new
business growth in assets under management.  The overall fee income margins
were maintained as a result of increased revenues in the securities lending
business despite the competitive conditions in the institutional index
market.

In Retail Financial Services fees and commissions grew by 4% to £861m.  This
increase was primarily in Wealth Management up 18% to £282m reflecting
growth in European Retail Banking, Private Banking and Offshore Services
partly as a result of the strong global financial markets.  Barclaycard fees
and commission increased by 3% primarily as a result of transaction growth,
which was offset by an increase in the number of account fees refunded to
customers and a slight contraction in merchant acquisition fee margins.
Commission income in Barclays Insurance benefited from new product campaigns
launched in the second half of last year, although this was more than offset
by lower contributions following the move to in-house underwriting of all
payment protection insurance.  Net fees and commissions reported have
reduced by £33m as a result of this move.  Underwriting income, which rose
by £40m, is reported in Other operating income.  This shift in reported
income will continue during 1999 and 2000.

In Barclays Capital fees and commissions grew 11% to £83m reflecting strong
growth in fees earned in primary corporate bond business.  This combined
with a maintained level of loan arrangement fees offset the lower revenues
in the futures business arising from continued pricing pressure.

Corporate Banking and Retail Financial Services fees and commissions include
£47m (1998: £38m) in respect of foreign exchange income on customer
transactions with Barclays Capital.

                                                                      
                                      Half-year ended
Dealing profits                   30.6.99   31.12.98   30.6.98
                                       £m        £m        £m
Rates related business                217        14       121
Credit related business               108     (244)        76
                                      325     (230)       197
Comprising:                                                  
Interest rate related                 208     (252)       120
Foreign exchange and commodities       61        57        43
Equities and other                     56      (35)        34
                                      325     (230)       197
                                      
Almost all the Group's dealing profits arise in Barclays Capital where these
increased by 56%, or £115m, to £319m compared with the first six months of
1998.  This was achieved while operating at lower levels of risk compared to
last year.

In the Rates business there was strong growth in foreign exchange and
government bond sales and trading and interest rate derivatives performed
strongly.  In the Credit business, secondary corporate bond sales and
trading made a good contribution as a result of focusing on increased
customer related business with higher inventory turnover.

Total foreign exchange income for the first half of 1999 was £192m, (31st
December 1998: £190m, 30th June 1998: £163m) and consists of the revenues
earned from both retail and wholesale activities.  The foreign exchange
income earned by Retail Financial Services and Corporate Banking on customer
transactions both externally and with Barclays Capital is reported within
fees and commissions.
                                      Half-year ended
Other operating income            30.6.99   31.12.98   30.6.98
                                       £m        £m        £m
Income from associated                                       
undertakings and joint ventures         5        10        12
Dividend income from equity             6         6         8
shares
Profits on disposal of investment      18        15        26
securities
Income from the long-term              18        62        47
assurance business
Property rentals                       21        23        21
Premium income on insurance            45        26         5
underwriting
Other income                           16        26        37
                                      129       168       156
Income from associated undertakings and joint ventures fell as a result of a
reduced contribution from the Group's Brazilian associate Banco Barclays e
Galicia.

Profits on disposal of investment securities arose largely from realisations
by the private equity business within Barclays Capital.

An additional £40m provision for the cost of redress for personal pension
customers (non-priority cases) has been charged in the period.  Total
provisions of £154m for the cost of redress to personal pension customers
for priority and non-priority cases have been raised to date of which some
£90m had not yet been utilised as at 30th June 1999.  No further charges are
anticipated in 1999.

The significant increase of premium income on insurance underwriting
activities to £45m (1998: £5m) is as a result of an increase of premiums on
insurance business written in-house.  The longer term nature of these
policies means that premium income will continue to grow over the next two
or three years as the full impact of the transfer of business is achieved.
                                                                              
                           
Other income decreased as a result of lower profits on the disposal of
properties at £5m (1998: £13m), reduced profits on disposal of subsidiaries
and associates and a number of other smaller one-off items.

                                      Half-year ended
Administrative expenses - staff   30.6.99   31.12.98   30.6.98
costs
                                       £m        £m        £m
Salaries and accrued incentive      1,238     1,160     1,139
payments
Social security costs                  94        89        84
Pension costs                          18        16        21
Post-retirement health care             6         6        11
Other staff costs                     312       154       131
                                    1,668     1,425     1,386
Included above:                                              
Restructuring charge                  247         -         -
Former BZW businesses                   -         3        19
Excluding restructuring charge                               
and former BZW businesses           1,421     1,422     1,367
                                                             
Number of staff at period end:                               
Retail Financial Services*         56,500    57,800    58,400
Corporate Banking                  11,600    11,100    11,100
Barclays Capital                    4,200     4,400     4,600
Barclays Global Investors           1,700     1,500     1,500
Businesses in Transition                -       100       500
Other operations                    3,000     3,300     3,400
Head office functions                 400       400       400
Group total world wide             77,400    78,600    79,900
of which United Kingdom            57,800    58,900    59,500

*Retail Financial Services include staff who represent a shared resource
 with Corporate Banking, but figures exclude 1,000 Barclays Life advisers
 and field sales managers (31st December 1998: 1,000, 30th June
 1998: 1,000) and 1,300 administrative staff (31st December 1998: 1,300,
 30th June 1998: 1,200) whose costs are borne within the long-term
 assurance fund.

Staff costs

Staff costs for the ongoing businesses rose by 4% over the first half of
1998 excluding the staff related charge of £247m for the 1999 restructuring
programme.  The increase in salaries and accrued incentive payments
reflected the impact of the annual pay award to UK staff of 4% and
performance related pay in Barclays Capital.

In Retail Financial Services staff costs, excluding redundancy and
relocation costs, were maintained at first half 1998 levels.  The average
annual UK pay award was offset by net savings arising from job reductions.

Pension costs continue at a low level, with contributions to the Group's
main UK scheme remaining at nil in 1999.

The restructuring charge is principally in respect of Other staff costs and
reflects staff reduction costs.  Total staff costs in 1998 included £33m and
£53m of staff reduction and relocation costs for the first and second halves
respectively.
                              
Staff numbers fell by 1,200 overall, with the major reduction occurring in
Retail Financial Services.  In Corporate Banking staff numbers increased by
500 as a result of the inclusion of the Cairo Barclays SAE workforce.  The
reduction in Retail Financial Services included 450 staff from Merck Finck
which was sold in the period.  The impact of the job losses will primarily
occur in the second half of the year as the majority of the restructuring
programme is implemented, particularly affecting Retail Financial Services
and to a lesser extent Corporate Banking.  This is expected to contribute to
tightly controlled staff costs for these businesses in the second half of
the year.

                                      Half-year ended
Administrative expenses - other   30.6.99   31.12.98   30.6.98
                                       £m        £m        £m
Property and equipment expenses:                             
Hire of equipment                      12        14        14
Property rentals                      149       113        82
Other property and equipment          298       343       295
expenses
                                      459       470       391
Stationery, postage and               114       118       112
telephones
Advertising and market promotion       97       118       107
Travel, accommodation and              54        54        59
entertainment
Subscriptions and publications         20        22        21
Securities clearing and other          12        23        26
operational expenses
Sundry losses, provisions and          31        24        29
write-offs
Statutory and regulatory audit          3         4         2
and accountancy fees
Consultancy fees                       76        68        58
Professional fees                      39        51        40
Other expenses                         30        17        15
                                      935       969       860
Included above:                                              
Restructuring charge                   98         -         -
Former BZW businesses                   -         7        10
Excluding restructuring charge                               
and former BZW businesses             837       962       850

Administrative expenses for the ongoing business were broadly unchanged
compared with the first half of 1998 and lower than the second half, which
as restated included a £24m charge for the costs of leasehold properties
vacated in the period.

The high levels of expenditure on both property and equipment and other
costs reflects continued investment across the Group on improving customer
service and upgrading technology (including Year 2000 compliance).

Euro preparation was completed by the end of 1998 and only a small amount of
related costs were incurred in the first half of 1999.  Work on Year 2000
compliance is nearing completion and costs in the period (mainly equipment
and consultancy costs) were lower than in either the first or second half of
1998.

The restructuring charge of £98m includes £78m in respect of provisions for
property rentals.
                                      
                                      
                                
                                      Half-year ended
Depreciation and amortisation     30.6.99   31.12.98   30.6.98
                                       £m        £m        £m
Property depreciation                  46        43        45
Equipment depreciation                 83        85        87
Goodwill amortisation                   6         6         6
Loss on sale of equipment               2         4         1
Write-back of surplus properties        -         -       (2)
                                      137       138       137


Provisions for bad and doubtful debts

                                      Half-year ended
                                  30.6.99   31.12.98   30.6.98
The charge for the period in           £m        £m        £m
respect of bad and doubtful debts
comprises:
Specific provisions - credit risk                            
New and increased                     424       526       290
Releases                             (70)      (75)      (60)
Recoveries                           (40)      (81)      (95)
                                      314       370       135
General provision - credit risk -       8      (23)         3
charge/(release)
                                      322       347       138
Specific provision releases -         (2)       (4)       (9)
country risk
General provision charge -              -        20         -
country risk
Net charge                            320       363       129
                                                             
                                                             
Total provisions for bad and                                 
doubtful debts at end of the
period comprise:
Specific - credit risk              1,265     1,199     1,095
Specific - country risk                15        16        31
Total specific provisions           1,280     1,215     1,126
General provisions  - credit risk     662       663       686
                    - country risk     65        65        45
                                    2,007     1,943     1,857

The net charge rose by £191m to £320m primarily as a result of an increase
of £134m to £424m in new and increased specific credit risk provisions and a
reduction in releases and recoveries of £45m to £110m.

The £526m new and increased specific credit risk provisions in the second
half of 1998 included a £153m provision in respect of exposure to Russian
counterparties (primarily in respect of currency forward contracts and
repurchase agreements).
                                                                              
                             
The rise in new and increased specific credit risk provisions to £424m was
mainly attributable to significant growth within Retail Financial Services
in UK unsecured lending volumes, including extended credit balances at
Barclaycard and to a lesser extent reflected less favourable UK economic
factors.  New and increased provisions in Corporate Banking were higher than
the low levels experienced the first half of 1998 but were broadly in line
with those in the second half of 1998 (excluding Russian provisions of
£23m).

Releases and recoveries continued to decline, particularly in Corporate
Banking and the transition businesses.  Recoveries in the first half of 1998
benefited from an individual realisation of £25m in Corporate Banking.

The country risk general provision was increased by £20m to £65m in the
second half of 1998 to cover increased transfer risks arising from continued
uncertainty in emerging markets.

The net provision charge for the period as a percentage of average loans and
advances was 0.31% compared with 0.13% in the first half of 1998.

Provisions for contingent liabilities and commitments

                                      Half-year ended
                                  30.6.99   31.12.98   30.6.98
                                       £m        £m        £m
                                        -      (76)         -

The charge in the second half of 1998 related to the contribution to the
overall settlement of the Atlantic litigation.

                                      Half-year ended
Exceptional items                 30.6.99   31.12.98   30.6.98
                                       £m        £m        £m
Loss on sale or restructuring of                             
BZW:
Profit on sale of business assets       -         -         8
Goodwill written off                    -         -      (11)
                                        -         -       (3)
(Loss)/profit on disposal of        (119)         5       (1)
other Group undertakings
                                    (119)         5       (4)

The loss on disposal of other Group undertakings includes a £117m loss
(after £138m charge for goodwill which had previously been written off to
reserves) on the sale of Merck Finck and Co. in March 1999.

The profit on sale of business assets and the goodwill of £11m written off
in the first half of 1998 related to the sale of the former BZW Australian
banking business.

Write-down of fixed asset investments Half-year ended
                                  30.6.99   31.12.98   30.6.98
                                       £m        £m        £m
                                        -       (4)         -


Tax

The charge for the period assumes a UK corporation tax rate of 30.25% for
the calendar year 1999 (1998: 31.0%).  The effective rate of tax is 26.0%
(30th June 1998: 29.5%). The reduction in the rate is mainly attributable to
the effect of prior year items and payments to a qualifying employee share
ownership trust, offset by non-allowable losses related to the disposal of
Merck Finck.  Excluding these items the effective rate would have been 28.5%.

Included in the charge is £3m (31st December 1998: £13m, 30th June
1998: £12m) notional tax on the increase in the shareholders' interest in
the long-term assurance fund.

There has been no change in the policy for partial provision for deferred
taxation in respect of leasing.

Earnings per ordinary share

Earnings per ordinary share is based upon the results after deducting tax,
profit attributable to minority interests and dividends on staff shares.

                                      Half-year ended
                                   30.6.99  31.12.98  30.6.98
                                                             
Earnings in period                   £696m     £431m    £886m
                                                             
Earnings in period for the         £1,064m     £441m    £912m
ongoing business
                                                             
Weighted average of ordinary        1,505m    1,499m   1,519m
shares in issue
                                                             
Earnings per ordinary share          46.2p     28.9p    58.3p
                                                             
Earnings per ordinary share for      70.7p     29.6p    60.0p
the ongoing business

Dividends on ordinary shares

The Board has decided to pay, on 1st October 1999, an interim dividend for
1999 of 17.5p per ordinary share, in respect of shares registered in the
books of the Company at the close of business on 20th August 1999.

For qualifying US and Canadian resident ADR holders, the interim dividend of
17.5p per ordinary share becomes 70.0p per ADS (representing four shares).
The ADR depositary will mail the dividend on 1st October 1999 to ADR holders
on the record on 20th August 1999.

For qualifying Japanese shareholders, the interim dividend of 17.5p per
ordinary share will be distributed in mid October to shareholders on the
record on 20th August 1999.
                                                                      

Shareholders may have their dividends reinvested in Barclays PLC shares by
participating in the Dividend Reinvestment Plan.  The plan is available to
all shareholders provided that they do not live in or are subject to the
jurisdiction of any country where their participation in the plan would
require Barclays or the plan administrator to take action to comply with
local government or regulatory procedures or any similar formalities.  Any
shareholder wishing to obtain details of the plan and a mandate form should
contact The Plan Administrator to Barclays, PO Box 82, Caxton House,
Redcliffe Way, Bristol, BS99 7FA.  Those wishing to participate for the
first time in the plan should send their completed mandate form to the plan
administrator before 9th September 1999 for it to be applicable to the
payment of the interim dividend on 1st October 1999.  Existing participants
should take no action unless they wish to alter their current mandate
instructions in which case they should contact the plan administrator.


                        BARCLAYS PLC


Balance sheet
                                      Half-year ended
Capital resources                 30.6.99   31.12.98   30.6.98
                                       £m        £m        £m
Shareholders' funds                 8,218     7,842     7,822
Minority interests                    349       314       321
                                    8,567     8,156     8,143
Loan capital and other              4,117     3,734     3,655
subordinated liabilities
                                   12,684    11,890    11,798

The Group continues to manage actively both its debt and
equity capital.  Total capital resources increased over the
half year by £803m before exchange rate translation
differences of £9m.

Shareholders' funds increased by £416m before adverse
exchange rate differences of £40m.  Profit retentions
(excluding goodwill write-backs) of £571m were reduced by
share buy-backs of £168m.

Loan capital and other subordinated liabilities rose by
£383m consisting of capital raisings of £363m and exchange
movements of £20m.

Capital ratios
Weighted risk assets and capital resources, as defined for
supervisory purposes by the Financial Services Authority,
comprise:
                                      Half-year ended
                                  30.6.99   31.12.98   30.6.98
Weighted risk assets:                  £m        £m        £m
Banking book                                                 
 on-balance sheet                  83,101    78,577    75,441
 off-balance sheet                 16,172    14,194    13,027
 associated undertakings            1,562     2,623     2,602
Total banking book                100,835    95,394    91,070
                                                             
Trading book                                                 
 market risks                       5,828     8,060    13,205
 counterparty and settlement        7,331     6,346     7,246
risks
Total trading book                 13,159    14,406    20,451
Total weighted risk assets        113,994   109,800   111,521
                                                             
Capital resources:                                           
 tier 1 capital                     8,398     8,031     8,028
 tier 2 capital                     4,539     4,154     4,032
 tier 3 capital                       328       330       270
Total gross capital resources      13,265    12,515    12,330
Less: supervisory deductions        (892)     (830)     (758)
Total net capital resources        12,373    11,685    11,572
                                                             
                                        %         %         %
Tier 1 ratio                          7.4       7.3       7.2
Risk asset ratio                     10.9      10.6      10.4

Total Assets
The Group's balance sheet grew by £22bn or 10% in the first
half of 1999 compared to 7% growth in the same period in
1998 and a 12% reduction in the second half of that year.

The Barclays Capital balance sheet increased by £21bn or 19%
in the first half of 1999, following a contraction of 24% in
the second half of the previous year.  The growth in assets
was partly attributable to a £5bn increase in assets from
the collateralised equity finance business which continues
to build customer inventory financing positions following
the purchase of this business from Daiwa last year.  The
remaining increase arose from a number of businesses and
reverses the decline in business activity, particularly in
repos, at the end of 1998.  Total weighted risk assets
increased by 8% partly reflecting the implementation of DVAR
as the regulatory measure for market risk and partly asset
growth in reverse repos which attract a lower average risk
weighting.

Within Corporate Banking, assets grew by 2% in the period
adjusting for the impact of an increase to a majority
interest in Cairo Barclays SAE.  Middle market sector assets
grew 5% predominantly in larger corporate customers.  In
large corporate lending there was a lower level of asset
growth.

Adjusted for the impact of the sale of Merck Finck and Co,
Retail Financial Services' assets grew by 3% in the first
half of 1999.  Consumer lending balances increased by 4% to
£6bn in the first six months of the year and mortgage
outstandings grew by 3% to just over £17bn.  Barclaycard's
extended credit balances have also continued to grow.
Wealth Management assets have grown steadily across all
business units with particularly high growth in Offshore
Services and Private Banking as a result of winning new
business.  European Retail Banking assets have also grown
steadily benefiting from the low interest rate environment
and prevailing stable economic conditions.

Growth in the Group balance sheet has been funded by a
combination of increased repo activity and higher levels of
deposits in Retail Financial Services and Corporate Banking,
although this growth has slowed compared to the second half
of last year.  Personal savings balances increased by 2% in
the first half of 1999.

Repo transactions
Under a repo (sale and repurchase agreement), an asset is
sold to a counterparty with a commitment to repurchase it at
a future date at an agreed price.  The Group engages in
repos and also in reverse repos, which are the same
transaction from the opposite viewpoint, the Group buying an
asset with a fixed commitment to resell.  The Group aims to
earn spread and trading income from these activities as well
as funding its own holdings of securities.

The following amounts are included in the balance sheet for
repos and reverse repos:

                                      Half-year ended
                                  30.6.99   31.12.98   30.6.98
Reverse repos (assets)                 £m        £m        £m
Loans and advances to banks        21,355    13,922    15,934
Loans and advances to customers    12,167    11,665    28,680
                                   33,522    25,587    44,614
Repos (liabilities)                                          
Deposits by banks                  12,713     6,512    17,285
Customer accounts                  14,071    11,200    16,640
                                   26,784    17,712    33,925


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