Leading market positions in U.K. banking and global wholesale banking. Significant diversity of business lines and customer segments. Good asset quality relative to U.K. peers over an extended period. Lack of a medium-term track record of stable management and consistent strategy. Level of attributable profit lacks predictability. Scope to improve relative efficiency. The stable outlook reflects our view that Barclays' statutory earnings performance will steadily improve and that its asset quality metrics will remain resilient over our two-year outlook horizon. If we observed growing evidence of better and reasonably predictable earnings, business and management stability, and no material deterioration in our overall view of Barclays' capitalization, then we could revise upward the unsupported group credit profile (UGCP), and therefore raise