Barclays 2013 Annual Report Download - page 158

Risk review
Credit risk continued
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 advance assessed as impaired (audited)
Past due up
to 1 month
Past due
1-2 months
Past due
2-3 months
Past due
3-6 months
Past due
6 months
and over Total
Individually
assessed for
impairment Total
As at 31 December 2013
Home loans 5,726 2,161 667 728 1,818 11,100 510 11,610
Credit cards, unsecured and other retail lending 1,589 1,029 411 632 2,866 6,527 1,548 8,075
Corporate loans 1,047 40 35 59 400 1,581 3,892 5,473
Total 8,362 3,230 1,113 1,419 5,084 19,208 5,950 25,158
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 4,010 5,386
Total 6,532 3,292 1,041 1,495 5,700 18,060 6,410 24,470
Potential Credit Risk Loans (PCRLs)
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 the identifying potential credit risk loans section
on page 395.
PCRLs and coverage ratios
CRLs PPLs PCRLs
As at 31 December 2013
£m
2012
£m
2013
£m
2012
£m
2013
£m
2012
£m
Retaila 7,567 8,722 708 758 8,275 9,480
Wholesale 5,731 6,303 1,100 1,102 6,831 7,405
Group 13,298 15,025 1,808 1,860 15,106 16,885
Impairment allowance CRL coverage PCRL coverage
As at 31 December 2013
£m
2012
£m
2013
£m
2012
£m
2013
£m
2012
£m
Retail 4,372 4,635 57.8 53.1 52.8 48.9
Wholesale 2,886 3,164 50.4 50.2 42.2 42.7
Group 7,258 7,799 54.6 51.9 48.0 46.2
For more information refer to the Retail Credit risk section, Wholesale Credit risk section and Risk management section.
Note
a 2012 PCRL balances in Africa RBB have been restated to better reflect their PCRL categorisation. As a result CRLs decreased by £99m and PPLs increased by £102m.
This has been allocated between Home Loans (CRL: £76m and PPL: £59m) and Other Retail Lending (CRL: £23m and PPL: £43m).
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156 Barclays PLC Annual Report 2013