Barclays in Cyprus

Local presence – worldwide expertise

Contents

Welcome 3

Building wealth 5

Expertise across the board 6

Our wisdom is your support 9

Integrated solutions for all your banking needs 10

Part of a global team 14

3

Welcome

Here in Cyprus, we are dedicated to helping every one of our clients to achieve their financial goals.

We aim to help institutions and intermediaries grow and

protect the wealth of their clients, using our collective

wisdom to provide the right solutions for each one of our

clients. We achieve this by building strong relationships,

based on trust and a hard-won reputation for outstanding

service and attention to detail.

Our greatest strength is the range of solutions we can offer

– from day-to-day banking, investments, offshore accounts

and corporate finance, to ways to make international trading

easier and more secure, including online banking and

real-time foreign exchange (FX) dealing.

Whether you are an international trading company; an

intermediary managing private wealth; a major multi-

national or international shipping company managing

money across multiple jurisdictions, my team is constantly

seeking new opportunities to help. If you are looking for

innovative international banking solutions, Barclays may be

able to help you too.

I hope you find our services of interest. If you feel you could

benefit from our wealth of knowledge, then please call and

let us do the rest.

Evan Gavas

Country Director, Cyprus

“We have had good working relationships with Barclays in Cyprus for over ten years. We particularly value the service of our Relationship Manager, Maria Evgeniou, with whom we have direct dial and mobile telephone access. Barclays deal with our requirements in a helpful and efficient manner.” Abacus

“We have had a positive working relationship with Barclays Cyprus for over 10 Years. We value their high standard of service and constructive cooperation to meet our clients’ requirements.” IFG Cyprus

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5

Building wealth

Barclays is a major global financial services provider engaged in retail and commercial banking, investment banking, and wealth management services with an extensive international presence in Europe, the Americas, Africa and Asia.

With over 300 years of history and expertise in banking,

Barclays operates in over 50 countries and employs over

147,000 people. Barclays moves, lends, invests and protects

money for over 49 million customers and clients worldwide.

Wealth and Investment Management is a division of

Barclays and provides intermediary and corporate banking,

private banking, investment management, fiduciary services

and brokerage.

World banking within your reachAs part of one of the largest financial service providers in

the world, we combine local expertise with international

reach, allowing us to offer a seamless service to our clients

all over the world.

Our experienced professionals use their collective wisdom

to provide wealth management services and some of the

top third-party fund managers from across the market, as

well as access to the strength and capability of the entire

Barclays Group, including Corporate Banking, Investment

Banking, Private Banking and Barclaycard.

Expertise across the board

Barclays Wealth and Investment Management operates in over 20 countries globally and has £172bn in assets under management*. Our knowledge and expertise have been developed over many years managing a large number of intermediary clients in offshore locations.

We recognise that many of you, and your clients, need to

make international transactions quickly and easily, which is

why we offer multi-jurisdictional banking with the same

level of excellence throughout the world. This means that

opening an account with us is equally simple in London or,

Gibraltar and you or your clients will receive the same

outstanding service regardless of where you bank.

Our experts are based in key international jurisdictions,

each one recognised by the international financial

community as a centre of excellence, and each available

to you through Barclays.

Because we offer access to multiple jurisdictions, you can

operate across any of the seven offshore financial centres

that make up our business.

These jurisdictions include:

• Cyprus

• Gibraltar

• Guernsey

• Isle of Man

• Jersey

• London

• Switzerland

In addition Barclays has a presence in over 50 countries and

therefore we can provide our clients with unparalleled

access to one of the most extensive banking networks in

the world.

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*Based on Q1 2012 results

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9

Our wisdom is your support

With a presence in Cyprus for over 70 years, Barclays has extensive knowledge of both the local and international market. The team comprises highly experienced finance professionals with a comprehensive background in corporate banking, investing, international trade and offshore financial markets.

As our client, you will benefit from access to a dedicated

Relationship Manager. This fully qualified and highly trained

professional will have a clear understanding of both local and

global markets, gained from experience in a number of

jurisdictions. They will work alongside you to build up a

detailed understanding of your business needs before

recommending how we can best tailor our products and

services to match your requirements.

Just as importantly, they will connect you to the wider range

of financial support and expertise available from the whole

Barclays Group, including access to our colleagues in

Corporate Banking, Investment Banking and Private

Banking.

You will also be supported by a dedicated Account

Executive, in addition to being able to contact our Customer

Service and Support Team should you need to.

As a business centre, Cyprus offers many key benefits.

A member of the British Commonwealth and part of the EU,

Cyprus benefits from a robust commercial and financial

infrastructure. Cyprus has a highly favourable tax regime

and an extensive network of double tax treaties with 40

other countries. Its laws are modelled on the UK tax system

and is fully compliant with the acquis of the EU. This is

unusual for an international offshore financial centre and

makes Cyprus a highly advantageous location for holding

and investment companies trading across Eastern Europe,

the Middle East, Africa and India.

Local and international supportOver the years, we have developed significant relationships

with a wide range of corporate clients. Our local team

understands the specific needs of corporate service

providers and international trading companies, including:

• Trust companies

• Fiduciaries

• Independent asset managers

• Offshore financial institutions

• International ship management companies

• Family offices

Integrated solutions for all your banking needs

Our team in Cyprus is dedicated to helping you achieve your financial goals. We will connect you to the wider range of support and expertise available across the global Barclays Group and provide you with a consistently high level of service.

Whatever your banking requirements, we have the people

and the tools to support you. As well as straightforward

current accounts, you will also have access to our corporate

internet banking solution, our online foreign exchange

service and our investment management services. The

diagram below outlines the products and services available

to you through Barclays.

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Banking & CreditTreasury and FX

Sales-Trading Cash Management

and Trade

Current Accounts

Deposit Accounts

Spot Exchange

International credit balance aggregation

Electronic payments

Treasury DepositsInternet banking

Hedging solutions

Investments

Investment funds

Fiduciary deposits

Discretionary Asset Management

Customised portfolios

Structured products

Bulk file payments

Liquidity concentration

Telephone Banking

Cards Guarantees

Brokerage

SWIFT solution

Letters of Credit

Overdrafts

Loans

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BankingAccount opening

We understand that simple and efficient account opening is

key. To avoid unnecessary delays, our highly knowledgeable

team has experience of opening accounts and making

transactions in all major currencies and a wide range of

jurisdictions around the world, backed by thorough due

diligence.

Internet banking

Our online banking system gives you the means to access,

monitor and move funds throughout Europe and many

jurisdictions around the world.

Our online banking service was purpose-built for international

trading companies and wealth intermediaries and provides

you with direct access to, and operation of, your own bank

accounts or those of your clients. Management information

software makes record keeping easy, as online reports and

statements can be automatically reconciled with your own

accounting systems.

Our specialist managers can also advise you on other

relevant e-banking solutions.

CreditFinancing1

You can access a comprehensive range of liquidity

solutions including business overdrafts, commercial and

residential property mortgages, and local credit

administration. Funds are available for short-term working

capital and longer-term asset purchase, structured to take

advantage of any financial planning opportunities.

Lending1

If your company requires additional capital, we offer a

number of solutions to help you manage your cash flow

without disrupting your long-term plans. We offer flexibility

in terms of structure, terms and repayment. Our services

include wealth management within your company’s wealth

structures, specialist solutions for aircraft and marine

finance2, and mortgage finance for both residential and

commercial property.

Cash managementCurrent accounts

We offer convenient and flexible business current accounts

in the world’s major currencies, all backed by a global

infrastructure that allows you to collect and make payments

quickly and easily. Telephone banking is also available.

Deposit accounts

Barclays offers a number of competitive products that allow

you to invest surplus funds over the short and long-term.

Payments

Integrated solutions for payments, collections, account

reconciliation and cash management are available across

a range of channels, including third-party service providers.

Electronic payments and credit and debit cards1 are

also available to make your banking faster, easier and

more efficient.

International payments

Our service provides a flexible and reliable means of sending

funds overseas quickly and securely. Payments are sent

using electronic bank-to-bank transfer and can be made in

all major currencies.

Liquidity funds

Pooled funds offer one of the most efficient and sophisticated

ways to manage cash. They allow you to benefit from a wide

range of issuers and asset types within agreed credit and

liquidity limits. You can also benefit from the increased

potential returns of longer maturity assets.

For example, our Premium Share Class is designed to

accommodate the treasury requirements of international

companies and institutions, and to deliver improved returns

without compromising liquidity.

Barclays International Client Monies Scheme

Holding clients’ monies in individual accounts can now be

simpler and less time-consuming. This scheme offers easy,

efficient aggregated account management that can provide

higher rates of interest for both your business and any

sub-accounts.

1Subject to application and status.2Security may be required.

TradeTrade services

When trading across borders and time zones, we can advise

on the most appropriate solution to ensure a successful

deal for both parties. A wide range of products are available,

from import and export letters of credit to collections

and guarantees.

International ship management

To support businesses involved in ship management, our

banking centres in Cyprus and Gibraltar have developed

expertise in providing financial solutions for crewing and

vessel management. Our specialist Relationship Managers

can help your company choose from the wide range of

products and services across the Barclays Group, including

multi-currency banking and payroll services.

Foreign exchange and treasuryBarclays provides a specialist service that offers you

tailored foreign exchange solutions. Choose from our

multi-currency, spot exchange or forward exchange

solutions depending on your requirements.

As our client you also have access to a range of brokerage

products such as equities, bonds and fixed income, as well

as structured notes and commodity linked structures.

InvestmentsWealth management

Discover investment solutions that match your risk

preferences, or the risk preferences of your clients, from

specialised investment packages to fully-bespoke portfolios.

Choose from two service options, depending on the level of

interaction, guidance and support you need.

One-off advice: ideal for those requiring short-term advice

on investment or portfolio ideas.

Bespoke structuring: useful for clients seeking a tailored

approach to products or portfolios. Provides a range of

risk-profiled solutions, managed investments and bespoke

packages. An execution-only, advisory or discretionary

service.

We offer investment solutions designed to maximise returns for a given level of risk:

• Discretionary portfolios: invest in a wide range of assets

with a portfolio tailored to meet your client’s needs or

choose a custom portfolio for investments over

£10 million and benefit from a personalised buy list.

• Cost-effective funds: choose Global Beta for low-cost

index-tracking, Multi-Manager for access to the world’s

leading investment managers or Global Access for single

asset class funds.

Our on-the-ground team has impressive levels of

knowledge and experience across all asset classes and

industry sectors, and can offer you expert guidance, as well

as access to institutional services.

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Our dedication to flexibility and innovation allows us to

secure new and tactical opportunities for improved returns

within your investment strategy.1 We regularly evaluate and

adapt investment strategies, structures and products. Our

aim is to capture new opportunities and achieve optimum

returns within each client’s risk framework.

Investing with us will allow you to benefit from:

• A proactive, tailored service

• The expertise of your investment management team

• Regular valuations and performance updates

• As much control over your investments as you want

• All the advantages of a well-diversified portfolio

Corporate jet, superyacht and marine financeUnlike many other wealth managers, we are able to provide

dedicated corporate jet, superyacht and marine finance for

individuals and corporate clients. Our specialist teams have

experience and expertise to take care of every detail, every

step of the way within the Barclays Group.

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1 The value of your investments and the income from them may fall as well as rise. Past performance of investments is no guide to future performance. You may not get back the amount of capital you invest.

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Part of a global team

Wealth and Investment Management is backed by the resources of the Barclays Group, and can draw on hundreds of years of experience in international banking and wealth management.

Barclays PLCOur parent company has the integrity conferred by a history

expertise in banking, Barclays operates in over 50 countries

and employs over 147,000 people. Barclays is one of the

largest global banks, trusted by over 49 million customers

and clients worldwide.

Investment BankingA division of Barclays PLC, Investment Banking has a

distinctive business model which provides large corporate,

government and institutional clients with a full spectrum of

solutions to meet their strategic advisory, financing and risk

management needs. Investment Banking has offices around

the world, employs 20,000 people and has a global reach,

advisory services and distribution power to meet the needs

of issuers and investors worldwide.

Private BankingPrivate Banking offers outstanding personal service and

world-class expertise to help clients manage, protect and

grow their assets. Our specialist advisers offer independent,

professional advice and access to institutional-quality

products.

Our presence in your businessWhatever your business and personal finances may involve,

you can benefit greatly from having a banking partner who

is on your side, providing guidance across the full range of

your requirements.

Next stepTo find out more, contact us at:

Barclays Bank PLC

2nd and 3rd Floors

88 Dighenis Akritas Avenue

Nicosia 1644

Cyprus

Telephone: +357 22654400

Email: cyprusenquiries@barclayswealth.com

Barclays Bank PLC

Cnr Koumandarias and Spyrou Araouzou

Tonia Court 2, 1st Floor, Office 1C

Limassol 3036

Cyprus

Telephone: +357 25208000

Fax: +357 25355412

Email: cyprusenquiries@barclays.com

www.barclays.com/wealth

Barclays offers banking, wealth and investment management products and services to its clients through Barclays Bank PLC and its subsidiaries. Barclays Bank PLC is registered in England and is authorised and regulated by the Financial Services Authority. Registered No. 1026167. Registered Office: 1 Churchill Place, London E14 5HP. Barclays Bank PLC is authorised by the Central Bank of Cyprus to conduct banking and investment business.

Item Ref: PP353. November 2012