Barclays 2009 Annual Report Download - page 52

Notes
aAverage balances are based upon daily averages for most UK banking operations and
monthly averages elsewhere.
bLoans and advances to banks and customers include all doubtful lendings, including non-
accrual lendings. Interest receivable on such lendings has been included to the extent to
which either cash payments have been received or interest has been accrued in accordance
with the income recognition policy of the Group.
cIn addition to interest income and interest expense shown on the income statement on
page 204, interest income and interest expense above includes interest related to principal
transactions and available for sale assets and liabilities.
Average balance sheet
Average balance sheet and net interest income (year ended 31st December)
2009 2008 2007
Average Average Average Average Average Average
balance aInterest rate balance aInterest rate balance aInterest rate
£m £m % £m £m % £m £m %
Assets
Loans and advances to banksb:
– in offices in the United Kingdom 41,912 483 1.2 38,913 1,453 3.7 29,431 1,074 3.6
– in offices outside the
United Kingdom 35,073 271 0.8 14,379 419 2.9 12,262 779 6.4
Loans and advances to customersb:
– in offices in the United Kingdom 264,687 9,405 3.6 249,081 13,714 5.5 205,707 13,027 6.3
– in offices outside the
United Kingdom 135,936 8,869 6.5 116,284 9,208 7.9 88,212 6,733 7.6
Lease receivables:
– in offices in the United Kingdom 4,316 174 4.0 4,827 281 5.8 4,822 283 5.9
– in offices outside the
United Kingdom 7,406 732 9.9 6,543 752 11.5 5,861 691 11.8
Financial investments:
– in offices in the United Kingdom 46,702 1,525 3.3 35,844 1,654 4.6 37,803 2,039 5.4
– in offices outside the
United Kingdom 13,590 485 3.6 10,450 697 6.7 14,750 452 3.1
Reverse repurchase agreements
and cash collateral on
securities borrowed:
– in offices in the United Kingdom 163,139 1,770 1.1 207,521 8,768 4.2 211,709 9,644 4.6
– in offices outside the
United Kingdom 145,606 665 0.5 128,250 4,450 3.5 109,012 5,454 5.0
Trading portfolio assets:
– in offices in the United Kingdom 96,421 3,262 3.4 107,626 4,948 4.6 120,691 5,926 4.9
– in offices outside the
United Kingdom 103,789 3,228 3.1 128,287 5,577 4.3 57,535 3,489 6.1
Financial assets designated at
fair value:
– in offices in the United Kingdom 18,881 822 4.4 20,299 1,325 6.5 19,154 849 4.4
– in offices outside the
United Kingdom 13,552 315 2.3 8,690 426 4.9 11,298 713 6.3
Total average interest earning assets 1,091,010 32,006 2.9 1,076,994 53,672 5.0 928,247 51,153 5.5
Impairment allowances/provisions (8,705) (5,749) (4,435)
Non-interest earning assets 782,378 682,867 392,382
Total average assets and
interest income 1,864,683 32,006 1.7 1,754,112 53,672 3.1 1,316,194 51,153 3.9
Percentage of total average
interest earning assets in
offices outside the United Kingdom 41.7% 38.3% 32.2%
Total average interest earning
assets related to:
Interest income c32,006 2.9 53,672 5.0 51,153 5.5
Interest expense c(20,713) 1.9 (39,820) 3.8 (39,201) 4.6
11,293 1.0 13,852 1.2 11,952 0.9
50 Barclays PLC Annual Report 2009 www.barclays.com/annualreport09
Financial review
Additional financial disclosure
continued