Barclays 2011 Annual Report Download - page 94

Risk management
Credit risk continued
Loans and advances to customers and banks
Total gross loans and advances to customers and banks increased 2% to £513,311m. Loans and advances at amortised cost were £489,977m
and loans and advances at fair value were £23,334m.
Loans and advances at amortised cost
Gross loans and advances to customers and banks at amortised cost increased 2% to £489,977m with a 2% rise in both the retail and wholesale
portfolios. Included in this balance are cash collateral and settlement balances in Barclays Capital of £75,707m. The principal drivers for this increase
were:
– Barclays Capital where loans and advances increased 6% to £161,194m driven by an increase in cash collateral balances partially offset by the
acquisition of Protium and a reduction in corporate lending;
– UK RBB where loans and advances increased 5% to £123,055m primarily reflecting growth in mortgage balances;
– Barclaycard where loans and advances increased 9% to £32,214m mainly due to the acquisition of credit card portfolios in 2011, partially offset
by balance run-offs in FirstPlus; and
– Barclays Wealth where loans and advances increased 17% to £19,255m reflecting growth in collateralised lending to High Net Worth individuals.
These increases were partially offset by a decrease in:
– Africa RBB where loans and advances decreased 19% to £38,361m principally reflecting the depreciation in the value of the Rand against Sterling.
Retail and wholesale loans and advances to customers and banks
Gross
L&A
£m
Impairment
allowance
£m
L&A net of
impairment
£m
Credit risk
loansa
£m
CRLs % of
gross L&Aa
%
Loan
impairment
chargesb
£m
Loan loss
rates
bps
As at 31 December 2011
Total retail 241,138 5,374 235,764 10,416 4.3 2,422 100
Wholesale – customers 201,348 5,178 196,170 10,892 5.4 1,362 68
Wholesale – banks 47,491 45 47,446 34 0.1 6 1
Total wholesale 248,839 5,223 243,616 10,926 4.4 1,368 55
Loans and advances at amortised cost 489,977 10,597 479,380 21,342 4.4 3,790 77
Traded loans 1,374 n/a 1,374
Loans and advances designated at fair value 21,960 n/a 21,960
Loans and advances held at fair value 23,334 n/a 23,334
Total loans and advances 513,311 10,597 502,714
As at 31 December 2010
Total retail 235,335 6,883 228,452 12,571 5.3 3,296 140
Wholesale – customers 204,991 5,501 199,490 11,716 5.7 2,347 114
Wholesale – banks 37,847 48 37,799 35 0.1 (18) (5)
Total wholesale 242,838 5,549 237,289 11,751 4.8 2,329 96
Loans and advances at amortised cost 478,173 12,432 465,741 24,322 5.1 5,625 118
Traded loans 2,170 n/a 2,170
Loans and advances designated at fair value 22,352 n/a 22,352
Loans and advances held at fair value 24,522 n/a 24,522
Total loans and advances 502,695 12,432 490,263
Notes
a 31 December 2010 excludes from credit risk loans (CRLs) the loan to Protium of £7,560m against which an impairment of £532m was held. See page 111 for further information.
b Loan impairment charges, comprising impairment on loans and advances, and charges in respect of undrawn facilities and guarantees, see page 86.
92 Barclays PLC Annual Report 2011 www.barclays.com/annualreport