Barclays 2012 Annual Report Download - page 130

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.
Loans and advances assessed as impaired (audited)
Collectively assessed for impairment
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 2012
Home loans 4,649 2,297 650 888 1,964 10,448 783 11,231
Credit cards, unsecured and other retail lending 1,539 938 345 550 2,864 6,236 1,617 7,853
Corporate loans 344 57 46 57 872 1,376 7,449 8,825
Total 6,532 3,292 1,041 1,495 5,700 18,060 9,849 27,909
As at 31 December 2011
Home loans 4,034 2,636 550 1,345 2,113 10,678 382 11,060
Credit cards, unsecured and other retail lending 1,390 1,117 357 885 3,585 7,334 702 8,036
Corporate loans 138 71 71 81 455 816 9,607 10,423
Total 5,562 3,824 978 2,311 6,153 18,828 10,691 29,519
Potential Credit Risk Loans (PCRLs)
In line with disclosure requirements from the SEC in the US, 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 pages 324-325.
PCRLs and coverage ratiosa
CRLs PPLs PCRLs
As at 31 December 2012
£m
2011
£m
2012
£m
2011
£m
2012
£m
2011
£m
Retail 8,821 10,410 656 600 9,477 11,010
Wholesaleb 9,744 10,932 1,102 1,372 10,846 12,304
Group 18,565 21,342 1,758 1,972 20,323 23,314
Impairment allowance CRL coverage PCRL coverage
As at 31 December 2012
£m
2011
£m
2012
%
2011
%
2012
%
2011
%
Retail 4,635 5,386 52.5 51.7 48.9 48.9
Wholesale 5,041 5,211 51.7 47.7 46.5 42.4
Group 9,676 10,597 52.1 49.7 47.6 45.5
For more information refer to the Retail credit risk section (pages 129-135), Wholesale credit risk section (pages 136-139) and Risk management
section (pages 313-343).
Overall, CRL balances decreased by 13% reflecting improvements in both retail and wholesale portfolios. The CRL coverage ratio increased to
52.1% (2011: 49.7%). Overall PPLs decreased 11% principally reflecting lower balances in the wholesale portfolios. The PCRL coverage ratio
increased to 47.6% (2011: 45.5%).
Notes
a UKRBB Medium Business lending and Barclaycard’s Global Payment Acceptance, Global Commercial Payments and Business Cards portfolios have been reclassified
from wholesale to retail, whilst Wealth and Investment Management’s Private Bank portfolio has been reclassified from retail to wholesale. This has resulted in a net
increase in retail PCRLs of £9m and impairment allowance of £12m with a corresponding decrease in wholesale PCRLs and impairment allowance in 2011. These
reclassifications (including comparatives) better reflect the way in which risk in these portfolios is managed.
b Includes all forbearance accounts that are over 90 days+ and/or impaired.
barclays.com/annualreport128 I Barclays PLC Annual Report 2012
Risk review
Credit risk continued