Barclays 2005 Annual Report Download - page 123

Barclays PLC
Annual Report 2005 121
3.3
Average balance sheet and net interest income (year ended 31st December)
IFRS UK GAAP
2005 2004 2003
Average Average Average Average Average Average
balance Interest rate balance Interest rate balance Interest rate
£m £m % £m £m % £m £m %
Liabilities and shareholders’ equity
Deposits by banks:
– in offices in the United Kingdom 54,801 1,665 3.0 46,669 1,225 2.6 40,959 993 2.4
– in offices outside the United Kingdom 21,921 705 3.2 16,610 310 1.9 10,100 184 1.8
Customer accounts:
demand deposits:
– in offices in the United Kingdom 22,593 510 2.3 20,829 310 1.5 18,788 170 0.9
– in offices outside the United Kingdom 6,196 88 1.4 3,317 31 0.9 3,497 48 1.4
Customer accounts:
savings deposits:
– in offices in the United Kingdom 52,569 1,570 3.0 47,583 1,325 2.8 45,565 999 2.2
– in offices outside the United Kingdom 1,904 39 2.0 1,117 21 1.9 813 26 3.2
Customer accounts:
other time deposits – retail:
– in offices in the United Kingdom 33,932 1,470 4.3 34,518 1,306 3.8 35,228 1,171 3.3
– in offices outside the United Kingdom 6,346 260 4.1 4,526 118 2.6 3,678 103 2.8
Customer accounts:
other time deposits – wholesale:
– in offices in the United Kingdom 41,745 1,191 2.9 58,035 1,844 3.2 57,364 1,634 2.8
– in offices outside the United Kingdom 12,545 590 4.7 13,140 342 2.6 8,193 247 3.0
Debt securities in issue:
– in offices in the United Kingdom 46,583 1,631 3.5 47,132 1,233 2.6 34,811 949 2.7
– in offices outside the United Kingdom 52,696 1,695 3.2 17,218 336 2.0 11,906 244 2.0
Dated and undated loan capital and
other subordinated liabilities principally
– in offices in the United Kingdom 11,286 605 5.4 12,740 692 5.4 12,312 684 5.6
External trading liabilities:
– in offices in the United Kingdom n/a n/a n/a 190,036 5,611 3.0 131,423 3,847 2.9
– in offices outside the United Kingdom n/a n/a n/a 115,032 1,805 1.6 59,817 1,088 1.8
Repurchase agreements and cash
collateral on securities lent:
– in offices in the United Kingdom 130,767 3,634 2.8 n/a n/a n/a n/a n/a n/a
– in offices outside the United Kingdom 80,391 2,379 3.0 n/a n/a n/a n/a n/a n/a
Trading portfolio liabilities:
– in offices in the United Kingdom 44,349 1,737 3.9 n/a n/a n/a n/a n/a n/a
– in offices outside the United Kingdom 36,538 1,196 3.3 n/a n/a n/a n/a n/a n/a
Internal funding of trading business n/a n/a n/a (72,291) (2,045) (2.8) (58,436) (1,631) (2.8)
Total average interest bearing liabilities 657,162 20,965 3.2 556,211 14,464 2.6 416,018 10,756 2.6
Interest free customer deposits:
– in offices in the United Kingdom 25,095 15,522 13,819
– in offices outside the United Kingdom 2,053 3,190 1,260
Other non-interest bearing liabilities 267,531 48,614 45,392
Minority and other interests and
shareholders’ equity 21,807 15,406 16,326
Total average liabilities, shareholders’
equity and interest expense 973,648 20,965 2.2 638,943 14,464 2.3 492,815 10,756 2.2
Percentage of total average non-capital
liabilities in offices
outside the United Kingdom 33.3% 30.7% 23.6%
Notes
(a) Loans and advances to customers and banks include all doubtful lendings, including non-accrual lendings. Interest receivable on such lendings has been included
to the extent to which either cash payments have been received or interest has been accrued in accordance with the income recognition policy of the Group.
(b) Average balances are based upon daily averages for most UK banking operations and monthly averages elsewhere.