Barclays 2014 Annual Report Download - page 149

barclays.com/annualreport Barclays PLC Annual Report 2014 I 147
In the loan portfolios, 86% (2013: 85%) of home loans to customers are measured as strong. The majority of credit card, unsecured and other
retail lending remained satisfactory, reflecting the unsecured nature of a significant proportion of the balance, comprising 71% (2013: 71%) of the
total. The credit quality profile of the Group’s wholesale lending improved with counterparties rated strong increasing to 72% (2013: 70%),
primarily due to increases in collateral balances generally rated strong in the Investment Bank.
Further analysis of debt securities by issuer and issuer type, and netting and collateral arrangements on derivative financial instruments is
presented on pages 165 and 166 respectively.
Balance sheet credit quality (audited)
As at 31 December 2014
Strong
(including
investment
grade)
£m
Satisfactory
(BB+ to B)
£m
Higher risk
(B- and
below)
£m
Maximum
exposure to
credit risk
£m
Strong
(including
investment
grade)
%
Satisfactory
(BB+ to B)
%
Higher risk
(B- and
below)
%
Maximum
exposure to
credit risk
%
Cash and balances at central banks 39,695 – – 39,695 100% 0% 0% 100%
Items in the course of collection from
other banks 1,134 47 29 1,210 94% 4% 2% 100%
Trading portfolio assets:
Debt securities 60,290 5,202 505 65,997 91% 8% 1% 100%
Traded loans 446 1,935 312 2,693 16% 72% 12% 100%
Total trading portfolio assets 60,736 7,137 817 68,690 89% 10% 1% 100%
Financial assets designated at fair value:
Loans and advances 18,544 844 810 20,198 92% 4% 4% 100%
Debt securities 4,316 130 2 4,448 97% 3% 0% 100%
Reverse repurchase agreements 4,876 346 14 5,236 93% 7% 0% 100%
Other financial assets 269 168 32 469 57% 36% 7% 100%
Total financial assets designated at fair value 28,005 1,488 858 30,351 92% 5% 3% 100%
Derivative financial instruments 414,980 24,387 542 439,909 94% 6% 0% 100%
Loans and advances to banks 39,453 1,651 1,007 42,111 94% 4% 2% 100%
Loans and advances to customers:
Home loans 143,700 13,900 9,374 166,974 86% 8% 6% 100%
Credit cards, unsecured and other retail lending 15,369 49,255 4,398 69,022 23% 71% 6% 100%
Corporate loans 137,102 42,483 12,186 191,771 72% 22% 6% 100%
Total loans and advances to customers 296,171 105,638 25,958 427,767 69% 25% 6% 100%
Reverse repurchase agreements and other
similar secured lending 102,609 29,142 2 131,753 78% 22% 0% 100%
Available for sale debt securities 84,405 498 636 85,539 98% 1% 1% 100%
Other assets 1,336 282 62 1,680 79% 17% 4% 100%
Total assets 1,068,524 170,270 29,911 1,268,705 84% 13% 3% 100%
As at 31 December 2013
Cash and balances at central banks 45,687 – – 45,687 100% 0% 0% 100%
Items in the course of collection from
other banks 1,218 51 13 1,282 95% 4% 1% 100%
Trading portfolio assets:
Debt securities 80,190 3,633 737 84,560 95% 4% 1% 100%
Traded loans 526 700 421 1,647 32% 42% 26% 100%
Total trading portfolio assets 80,716 4,333 1,158 86,207 94% 5% 1% 100%
Financial assets designated at fair value:
Loans and advances 17,020 1,017 658 18,695 91% 5% 4% 100%
Debt securities 403 36 403 842 48% 4% 48% 100%
Reverse repurchase agreements 4,492 794 37 5,323 84% 15% 1% 100%
Other financial assets 255 191 232 678 38% 28% 34% 100%
Total financial assets designated at fair value 22,170 2,038 1,330 25,538 87% 8% 5% 100%
Derivative financial instruments 331,541 18,042 717 350,300 95% 5% 0% 100%
Loans and advances to banks 36,030 2,354 1,038 39,422 91% 6% 3% 100%
Loans and advances to customers:
Home loans 153,299 14,373 11,855 179,527 85% 8% 7% 100%
Credit cards, unsecured and other retail lending 14,728 50,100 5,550 70,378 21% 71% 8% 100%
Corporate loans 128,309 46,263 9,760 184,332 70% 25% 5% 100%
Total loans and advances to customers 296,336 110,736 27,165 434,237 68% 26% 6% 100%
Reverse repurchase agreements and other
similar secured lending 141,861 44,906 12 186,779 76% 24% 0% 100%
Available for sale debt securities 87,888 1,354 2,056 91,298 96% 2% 2% 100%
Other assets 1,598 340 60 1,998 80% 17% 3% 100%
Total assets 1,045,045 184,154 33,549 1,262,748 83% 14% 3% 100%
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