Barclays 2012 Annual Report Download - page 139

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The strategic report Governance Risk review Financial review Financial statements Risk management Shareholder information
PCRLs and coverage ratiosa
CRLsbPPLs PCRLs
As at 31 December 2012
£m
2011
£m
2012
£m
2011
£m
2012
£m
2011
£m
Africa RBB 772 720 84 132 856 852
Investment Bank 4,209 5,253 327 445 4,536 5,698
Corporate Banking 4,141 4,312 617 756 4,758 5,068
Wealth and Investment Management 603 611 74 39 677 650
Head Office and Other Functions 19 36 – – 19 36
Total wholesale 9,744 10,932 1,102 1,372 10,846 12,304
Impairment allowance CRL coverage PCRL coverage
As at 31 December 2012
£m
2011
£m
2012
%
2011
%
2012
%
2011
%
Africa RBB 323 294 41.8 40.8 37.7 34.5
Investment Bank 2,463 2,555 58.5 48.6 54.3 44.8
Corporate Banking 2,098 2,235 50.7 51.8 44.1 44.1
Wealth and Investment Management 141 110 23.4 18.0 20.8 16.9
Head Office and Other Functions 16 17 84.2 47.2 84.2 47.2
Total wholesale 5,041 5,211 51.7 47.7 46.5 42.4
CRL balances in the wholesale portfolio decreased 11% to £9.7bn (Dec 11: £10.9bn) primarily due to falls in: Investment Bank, where lower
balances principally reflected asset sales and paydowns; and Corporate Banking, where the lower balances principally reflected the disposal of the
Iveco Finance business in Europe.
The CRL coverage ratio increased to 51.7% (2011: 47.7%). PPL balances in the wholesale portfolio decreased 20% principally due to reduced
balances in the UK and Europe in Corporate Banking and Investment Bank. The PCRL coverage ratio increased to 46.5% (2011: 42.4%).
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 90 days+ and/or impaired.
barclays.com/annualreport Barclays PLC Annual Report 2012 I 137