Barclays 2014 Annual Report Download - page 174

172 I Barclays PLC Annual Report 2014 barclays.com/annualreport
Risk performance
Credit risk
Risk review
Analysis of loans and advances assessed as impaired (audited)
The following tables present an age analysis of loans and advances collectively impaired, total individually impaired loans, and total impairment
allowance.
Past due up
to 1 month
£m
Past due
1-2 months
£m
Past due
2-3 months
£m
Past due
3-6 months
£m
Past due
6 months
and over
£m
Total
£m
Individually
assessed for
impairment
£m
Total
£m
As at 31 December 2014
Home loans 5,155 1,424 335 470 1,050 8,434 455 8,889
Credit cards, unsecured and other retail
lending 1,196 738 299 532 2,225 4,990 800 5,790
Corporate loans 284 30 24 25 148 511 2,679 3,190
Total 6,635 2,192 658 1,027 3,423 13,935 3,934 17,869
As at 31 December 2013
Home loans 5,726 2,161 667 728 1,818 11,100 510 11,610
Credit cards, unsecured and other retail
lending 1,589 1,029 411 632 2,866 6,527 1,548 8,075
Corporate loans 1,047 40 35 59 400 1,581 3,892 5,473
Total 8,362 3,230 1,113 1,419 5,084 19,208 5,950 25,158
Potential credit risk loans (PCRLs) and coverage ratios
The Group reports potentially and actually impaired loans as PCRLs. PCRLs comprise two categories of loans: credit risk loans (CRLs) and potential
problem loans (PPLs). For further information on definitions of CRLs and PPLs refer to the identifying potential credit risk loans section on page 113
of the Barclays PLC Pillar 3 report.
Potential credit risk loans and coverage ratios by business
CRLs PPLs PCRLs
As at 31 December 2014
£m
2013
£m
2014
£m
2013
£m
2014
£m
2013
£m
Personal & Corporate Banking 2,064 2,703 175 241 2,239 2,944
Africa Banking 1,093 1,205 161 194 1,254 1,399
Barclaycard 1,765 1,541 227 182 1,992 1,723
Barclays Core 4,922 5,449 563 617 5,485 6,066
Barclays Non-Core 1,209 2,118 26 91 1,234 2,209
Total Group retail 6,131 7,567 589 708 6,719 8,275
Investment Bank 71 – 107 106 178 106
Personal & Corporate Banking 1,630 1,861 582 840 2,212 2,701
Africa Banking 665 722 94 112 759 834
Barclays Core 2,366 2,583 783 1,058 3,149 3,641
Barclays Non-Core 841 3,148 119 42 960 3,190
Total Group wholesale 3,207 5,731 902 1,100 4,109 6,831
Group total 9,338 13,298 1,491 1,808 10,828 15,106
Impairment allowance CRL coverage PCRL coverage
As at 31 December 2014
£m
2013
£m
2014
%
2013
%
2014
%
2013
%
Personal & Corporate Banking 971 1,325 47.0 49.0 43.4 45.0
Africa Banking 681 674 62.3 55.9 54.3 48.2
Barclaycard 1,815 1,517 102.8 98.4 91.1 88.0
Barclays Core 3,467 3,516 70.4 64.5 63.2 58.0
Barclays Non-Core 428 856 35.4 40.4 34.7 38.8
Total Group retail 3,895 4,372 63.5 57.8 58.0 52.8
Investment Bank 44 – 62.0 – 24.7 –
Personal & Corporate Banking 668 701 41.0 37.7 30.2 26.0
Africa Banking 246 352 37.0 48.8 32.4 42.2
Barclays Core 958 1,053 40.5 40.8 30.4 28.9
Barclays Non-Core 602 1,833 71.6 58.2 62.7 57.5
Total Group wholesale 1,560 2,886 48.6 50.4 38.0 42.2
Group total 5,455 7,258 58.4 54.6 50.4 48.0
Q CRLs decreased 29.8% to £9.3bn, with the Group’s CRL coverage ratio increasing to 58.4% (2013: 54.6%).
Q CRLs in retail portfolios have decreased 19.0% to £6.1bn. This is primarily driven by Non-Core as a result of the reclassification of Spanish loans and
improvements in Personal & Corporate Banking due to continued improvement across portfolios. CRL coverage increased to 63.5% (2013: 57.8%).
Q CRLs in wholesale portfolios decreased 44.0% to £3.2bn. This is primarily driven by Non-Core as a result of the reclassification of Spanish loans
now held for sale and a write-off of a single name exposure. CRL coverage decreased to 48.6% (2013: 50.4%).