Barclays 2012 Annual Report Download - page 132

Download and view the complete annual report

Please find page 132 of the 2012 Barclays annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.

Page out of 356

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • 16
  • 17
  • 18
  • 19
  • 20
  • 21
  • 22
  • 23
  • 24
  • 25
  • 26
  • 27
  • 28
  • 29
  • 30
  • 31
  • 32
  • 33
  • 34
  • 35
  • 36
  • 37
  • 38
  • 39
  • 40
  • 41
  • 42
  • 43
  • 44
  • 45
  • 46
  • 47
  • 48
  • 49
  • 50
  • 51
  • 52
  • 53
  • 54
  • 55
  • 56
  • 57
  • 58
  • 59
  • 60
  • 61
  • 62
  • 63
  • 64
  • 65
  • 66
  • 67
  • 68
  • 69
  • 70
  • 71
  • 72
  • 73
  • 74
  • 75
  • 76
  • 77
  • 78
  • 79
  • 80
  • 81
  • 82
  • 83
  • 84
  • 85
  • 86
  • 87
  • 88
  • 89
  • 90
  • 91
  • 92
  • 93
  • 94
  • 95
  • 96
  • 97
  • 98
  • 99
  • 100
  • 101
  • 102
  • 103
  • 104
  • 105
  • 106
  • 107
  • 108
  • 109
  • 110
  • 111
  • 112
  • 113
  • 114
  • 115
  • 116
  • 117
  • 118
  • 119
  • 120
  • 121
  • 122
  • 123
  • 124
  • 125
  • 126
  • 127
  • 128
  • 129
  • 130
  • 131
  • 132
  • 133
  • 134
  • 135
  • 136
  • 137
  • 138
  • 139
  • 140
  • 141
  • 142
  • 143
  • 144
  • 145
  • 146
  • 147
  • 148
  • 149
  • 150
  • 151
  • 152
  • 153
  • 154
  • 155
  • 156
  • 157
  • 158
  • 159
  • 160
  • 161
  • 162
  • 163
  • 164
  • 165
  • 166
  • 167
  • 168
  • 169
  • 170
  • 171
  • 172
  • 173
  • 174
  • 175
  • 176
  • 177
  • 178
  • 179
  • 180
  • 181
  • 182
  • 183
  • 184
  • 185
  • 186
  • 187
  • 188
  • 189
  • 190
  • 191
  • 192
  • 193
  • 194
  • 195
  • 196
  • 197
  • 198
  • 199
  • 200
  • 201
  • 202
  • 203
  • 204
  • 205
  • 206
  • 207
  • 208
  • 209
  • 210
  • 211
  • 212
  • 213
  • 214
  • 215
  • 216
  • 217
  • 218
  • 219
  • 220
  • 221
  • 222
  • 223
  • 224
  • 225
  • 226
  • 227
  • 228
  • 229
  • 230
  • 231
  • 232
  • 233
  • 234
  • 235
  • 236
  • 237
  • 238
  • 239
  • 240
  • 241
  • 242
  • 243
  • 244
  • 245
  • 246
  • 247
  • 248
  • 249
  • 250
  • 251
  • 252
  • 253
  • 254
  • 255
  • 256
  • 257
  • 258
  • 259
  • 260
  • 261
  • 262
  • 263
  • 264
  • 265
  • 266
  • 267
  • 268
  • 269
  • 270
  • 271
  • 272
  • 273
  • 274
  • 275
  • 276
  • 277
  • 278
  • 279
  • 280
  • 281
  • 282
  • 283
  • 284
  • 285
  • 286
  • 287
  • 288
  • 289
  • 290
  • 291
  • 292
  • 293
  • 294
  • 295
  • 296
  • 297
  • 298
  • 299
  • 300
  • 301
  • 302
  • 303
  • 304
  • 305
  • 306
  • 307
  • 308
  • 309
  • 310
  • 311
  • 312
  • 313
  • 314
  • 315
  • 316
  • 317
  • 318
  • 319
  • 320
  • 321
  • 322
  • 323
  • 324
  • 325
  • 326
  • 327
  • 328
  • 329
  • 330
  • 331
  • 332
  • 333
  • 334
  • 335
  • 336
  • 337
  • 338
  • 339
  • 340
  • 341
  • 342
  • 343
  • 344
  • 345
  • 346
  • 347
  • 348
  • 349
  • 350
  • 351
  • 352
  • 353
  • 354
  • 355
  • 356

Analysis of retail gross loans and advancesa
Secured
home loans
£m
Credit cards,
overdrafts
and
unsecured
loans
£m
Other
secured
retail
lendingb
£m
Business
lending
£m
Total retail
£m
As at 31 December 2012
UKRBB 114,766 6,863 – 8,053 129,682
Europe RBB 34,825 4,468 – 1,742 41,035
Africa RBB 17,422 2,792 3,086 687 23,987
Barclaycard – 31,394 2,730 570 34,694
Corporate Banking 274 336 117 12 739
Wealth and Investment Management 2,267 63 205 – 2,535
Total 169,554 45,916 6,138 11,064 232,672
As at 31 December 2011
UKRBB 107,775 7,351 – 7,929 123,055
Europe RBB 37,099 4,994 – 2,395 44,488
Africa RBB 19,691 2,715 3,405 552 26,363
Barclaycard – 28,557 3,181 476 32,214
Corporate Banking 421 728 284 20 1,453
Wealth and Investment Management 1,892 62 144 – 2,098
Total 166,878 44,407 7,014 11,372 229,671
PCRLs and coverage ratios
PCRLs and coverage ratiosc
CRLs PPLs PCRLs
As at 31 December 2012
£m
2011
£m
2012
£m
2011
£m
2012
£m
2011
£m
Home loans 3,397 3,688 262 212 3,659 3,900
Credit cards and unsecured lending 3,954 4,890 295 301 4,249 5,191
Other retail lending and business banking 1,470 1,832 99 87 1,569 1,919
Total retail 8,821 10,410 656 600 9,477 11,010
Impairment allowance CRL coverage PCRL coverage
As at 31 December 2012
£m
2011
£m
2012
%
2011
%
2012
%
2011
%
Home loans 849 892 25.0 24.2 23.2 22.9
Credit cards and unsecured lending 3,212 3,777 81.2 77.2 75.6 72.8
Other retail lending and business banking 574 717 39.0 39.1 36.6 37.4
Total retail 4,635 5,386 52.5 51.7 48.9 48.9
Notes
a For December 2012 reporting UKRBB Medium Business gross lending (2011: £2,743m) and Barclaycard’s Global Payment Acceptance, Global Commercial Payments
and Business Cards portfolios (2011: £476m) have been reclassified from wholesale to retail. Wealth and Investment Management’s Private Bank portfolio (2011:
£14,686m) has been reclassified from retail to wholesale. These reclassifications (including comparatives) better reflect the way in which risk in these portfolios is
managed.
b Other secured retail lending includes Vehicle Auto Finance in Africa RBB and UK Secured Lending in Barclaycard.
c UKRBB Medium Business lending and Barclaycard’s Global Payment Acceptance, Global Commercial Payments and Business Cards portfolios have been reclassified
from wholesale to retail, whilst Wealth and Investment Management’s Private Bank portfolio has been reclassified from retail to wholesale. This has resulted in a net
increase in retail PCRLs of £9m and impairment allowance of £12m with a corresponding decrease in wholesale PCRLs and impairment allowance in 2011. These
reclassifications (including comparatives) better reflect the way in which risk in these portfolios is managed.
barclays.com/annualreport130 I Barclays PLC Annual Report 2012
Risk review
Credit risk continued