The jury is still out on whether Barclays Africa Group is back in the banking game. There are indications that SA’s third-largest bank by market value is on track for a turnaround. But not all the signs are positive. A year ago, CEO Maria Ramos committed to a three-year strategy to turn around the SA retail and business banking business, which has shed customers and revenue over the past few years. Jihad Jhaveri comments on the bank’s retail operations.