Barclays Chief Executive Antony Jenkins described 2012 as a "difficult year" and acknowledged the bank needs to "change the way we do business" to regain shareholders' trust.
Mr Jenkins said, "In June we reached a settlement with various regulators regarding the bank's misconduct in relation to Libor and Euribor".
"We know that we need to change the way we do business if we are going to regain the trust of our various stakeholders and begin to restore our reputation. The process will take time, but we are committed to transforming Barclays".
"We know that we have a great deal of work to do. We know that we will be judged by our actions, not our words", he added.
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