Barclays 2004 Annual Report Download - page 56
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Risk management
Loans and advances to customers on the banking book
54
(See also Note 14 on pages 147 to 148.)
The chart shows that Barclays largest sectoral exposures are to home
loans, other personal loans and business and other services. These
categories are comprised of small loans, have low volatility of credit
risk outcomes, and are intrinsically highly diversified.
The loan-to-value ratios on the Group’s UK home loan portfolio are
indicated in the next chart.
The valuations in the chart are those which applied at the last credit
decision on each loan, i.e. when the customer last requested an
increase in the limit or, if there has been no increase, at inception
of the loan. Since house prices have risen rapidly in recent years to
mid-2004, most loan-to-value ratios would be considerably lower
if updated to current market values.
<70%
Percentage of the mortgage portfolio
70-80% 80-90% >90%
%
65
19
12
4
70
60
50
40
30
20
10
0
Analysis of loan-to-value ratios of mortgages on the UK home
loan portfolio at 31st December 2004
(At most recent credit decision)
0202510515%30354045
Loans and advances to customers by industry –
banking book (% of total)
Other personal
Business & other
Financial institutions
Wholesale & retail
Manufacturing
Transport
Communications
Energy & water
Construction
Home loans
Overseas
Finance lease
Agriculture
Property
2003
2004
Barclays loan loss rates have remained stable in other personal loans
(consumer loans and credit cards) despite the increased levels of
household indebtedness and higher interest rates in the UK.
Maturity Analysis
The analysis by contractual maturity, shown in the chart below,
indicates that a third of loans to customers have a maturity of more
than five years, the majority of which are mortgages. The maturity
profile remained broadly steady.
(See also Table 4 on page 73.)
2002 2003 2004% Over five years
Over one year but not
more than five years
Over three months but
not more than one year
Not more than
three months
On demand
Maturity analysis of loans and advances to customers
100
0
20
40
60
80