<strong>NIC CLARKE </strong>CHARLES STANLEY<br />&ldquo;Barclays has been our most difficult call in the UK banking sector over the last 12 months. Performance in the next 12 months depends not only on whether BarCap can remain as robust as it has been but also importantly on the macro economic strength of the US, UK, Spain and South Africa.&rdquo;<br /><br /><strong>RICHARD HUNTER </strong>HARGREAVES LANSDOWN<br />&ldquo;Further writedowns will put pressure on capital, and although Barclays does appear strong in this regard, it has come at the expense of forced disposals such as the BGI unit. On the other hand, the bank's decision to plough its own furrow without aid from the government has to date served it well.&rdquo;<br /><br /><strong>JONATHAN PIERCE </strong>CREDIT SUISSE<br />&ldquo;Although there are some notable weaknesses in the numbers, we had largely anticipated these and remain more concerned about their read across to other UK banks. The strength of BarCap has allowed the group to beat estimates, and take further, increasingly realistic marks against its credit exposures.&rdquo;