Barclays Plc is a global financial services provider. The company is engaged in the provision of retail banking, credit cards, corporate and investment banking and wealth management with an international presence in Europe, the Americas, Africa and Asia. Barclays operates through two groups: Retail and Business Banking, and Corporate and Investment Banking and Wealth Management. The Barclays Retail and Business Banking group comprises of four business units: UK Retail Banking, Barclaycard, Barclays Africa and Western Europe Retail Banking. UK Retail Banking is a retail bank which serves UK customers through contact centers, online banking and various branches. It provides a wide range of products and financial services to its customers. Through UK Retail Banking, customers have access to current account and savings products, Woolwich-branded mortgages, unsecured loan and protection products and general insurance. Barclaycard is a multi-brand credit card and consumer lending business which also processes card payments for retailers and merchants, and issues credit and charge cards to corporate customers and the UK government. In the UK, Barclaycard comprises of Barclaycard UK Cards, Barclaycard Partnerships, Barclays Partner Finance and Firstplus. Outside the UK, Barclaycard provides credit cards in the United States, Germany, South Africa and in the Nordic region. Western Europe Retail Banking includes retail banking and Barclaycard operations in Spain, Italy, France and Portugal. Barclays Africa encompasses Barclays Global Retail Banking, Corporate Banking, and Barclaycard operations in 10 countries organized in four geographic areas: North Africa (Egypt), East and West Africa (Ghana, Tanzania, Uganda and Kenya), Southern Africa (Botswana, Zambia and Zimbabwe), and the Indian Ocean (Mauritius and Seychelles). It provides a variety of traditional financial products, including retail mortgages, current and deposit accounts, commercial lending, unsecured lending, credit cards, treasury and investments. In addition, it provides specialist services such as Sharia-compliant products and mobile banking. The Barclays Corporate & Investment Banking and Wealth Management Cluster comprises of three business units: Barclays Capital, Barclays Corporate and Barclays Wealth. Barclays Capital is the investment banking division of Barclays. It provides large corporate, government and institutional clients with a comprehensive set of solutions for their strategic advisory, financing and risk management needs. Barclays Corporate provides banking solutions to organizations. Barclays industry sector specialists offer advice on banking products, support, expertise and services, and customers are offered access to other areas of the Barclays Group which might help meet their investment or business needs, such as Barclaycard, Barclays Wealth and Barclays Capital. Barclays Wealth is a global wealth manager. It focuses on private and intermediary clients worldwide, providing international and private banking, investment management, fiduciary services and brokerage. The company was founded on July 20, 1896 and is headquartered in London, the United Kingdom.