Barclays 2009 Annual Report Download - page 278

276 Barclays PLC Annual Report 2009 www.barclays.com/annualreport09
Notes to the accounts
For the year ended 31st December 2009
continued
47 Credit risk continued
All loans and advances are categorised as either:
– neither past due nor individually impaired;
– past due but not individually impaired; or
– individually impaired, which includes restructured loans.
The impairment allowance includes allowances against financial assets that have been individually impaired and those subject to collective impairment.
Credit risk loans comprise loans and advances to banks and customers 90 days overdue or more and those subject to individual impairment. The coverage
ratio is calculated by reference to the total impairment allowance and the carrying value (before impairment) of credit risk loans.
Neither past Past due
due nor but not Total
individually individually Individually Impairment carrying Credit Risk Coverage
impaired aimpaired bimpaired Total allowance value Loans ratio
£m £m £m £m £m £m £m %
As at 31st December 2009
Trading portfolio:
Traded loans 2,962 – – 2,962 – 2,962 – –
Financial assets designated at fair value
held on own account:
Loans and advances 22,210 180 – 22,390 – 22,390 – –
Other financial assets 557 – – 557 – 557 – –
Loans and advances to banks 38,859 2,280 57 41,196 (61) 41,135 57 100.0
Loans and advances to customers:
Residential mortgage loans 139,199 8,846 1,693 149,738 (639) 149,099 3,604 17.7
Credit card receivables 20,195 1,544 2,459 24,198 (2,309) 21,889 3,068 75.3
Other personal lending 23,796 2,175 2,372 28,343 (2,908) 25,435 3,466 83.9
Wholesale and corporate loans and advances 199,800 7,598 10,088 217,486 (4,558) 212,928 11,497 39.6
Finance lease receivables 10,128 664 402 11,194 (321) 10,873 696 46.1
Total 457,706 23,287 17,071 498,064 (10,796) 487,268 22,388 48.2
As at 31st December 2008
Trading portfolio:
Traded loans 1,070 – – 1,070 – 1,070 – –
Financial assets designated at fair value
held on own account:
Loans and advances 29,182 875 – 30,057 – 30,057 – –
Other financial assets 1,469 – – 1,469 – 1,469 – –
Loans and advances to banks 46,665 1,045 48 47,758 (51) 47,707 48 100.0
Loans and advances to customersc:
Residential mortgage loans 131,017 7,481 1,668 140,166 (321) 139,845 2,528 12.7
Credit card receivables 21,092 1,426 1,231 23,749 (1,445) 22,304 1,990 72.6
Other personal lending 25,885 1,274 1,980 29,139 (1,869) 27,270 2,560 73.0
Wholesale and corporate loans and advances 246,505 8,307 7,586 262,398 (2,699) 259,699 8,277 32.6
Finance lease receivables 12,367 285 234 12,886 (189) 12,697 297 63.6
Total 515,252 20,693 12,747 548,692 (6,574) 542,118 15,700 41.9
Notes
aFinancial assets subject to collective impairment allowance are included in this column
if they are not past due.
bFinancial assets subject to collective impairment allowance are included in this column
if they are past due.
cLoans and advances to customers in the above table have been reanalysed between
Residential mortgage loans and Other personal lending.