Barclays 2008 Annual Report Download - page 276
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Notes to the accounts
For the year ended 31st December 2008
47 Credit risk (continued)
The movements on the impairment allowance during the year were as follows:
2008
Amounts
At Acquisitions Unwind Exchange Amounts charged to Balance
beginning and of and other written income at 31st
of year disposals discount adjustments off Recoveries statement December
£m £m £m £m £m £m £m £m
Loans and advances to banks 3––1–740 51
Loans and advances to customers:
Residential mortgage loans 132 – (35) 19 (44) 3232307
Credit card receivables 841 306 (68) 94 (845) 69 1,048 1,445
Other personal lending 1,373 1 (32) 134 (525) 42 890 1,883
Wholesale and corporate loans and advances 1,310 ––506 (1,428) 41 2,270 2,699
Finance lease receivables 113 ––37 (77) 12 104 189
Total loans and advances to customers 3,769 307 (135) 790 (2,919) 167 4,544 6,523
Total impairment allowance 3,772 307 (135) 791 (2,919) 174 4,584 6,574
2007
Amounts
At Acquisitions Unwind Exchange Amounts charged to Balance
beginning and of and other written income at 31st
of year disposals discount adjustments off Recoveries statement December
£m £m £m £m £m £m £m £m
Loans and advances to banks 4–––(1) 13 (13) 3
Loans and advances to customers:
Residential mortgage loans 124 ––2(5) 56132
Credit card receivables 1,030 (75) (60) 4 (819) 103 658 841
Other personal lending 1,139 – (53) 10 (668) 54 891 1,373
Wholesale and corporate loans and advances 939 1–37 (440) 46 727 1,310
Finance lease receivables 99 1––(30) 6 37 113
Total loans and advances to customers 3,331 (73) (113) 53 (1,962) 214 2,319 3,769
Total impairment allowance 3,335 (73) (113) 53 (1,963) 227 2,306 3,772
Loan Loss Rates
Loans and
Gross advances Loan
loans and Impairment net of Impairment Loss
advances allowance impairment charge Rate
£m £m £m £m basis point
As at 31st December 2008 516,096 (6,574) 509,522 4,913 95
As at 31st December 2007 389,290 (3,772) 385,518 2,782 71
274 Barclays PLC Annual Report 2008 |Find out more at www.barclays.com/annualreport08