Barclays 2013 Annual Report Download - page 162

Risk review
Credit risk continued
Potential Credit Risk Loans and coverage ratios
PCRLs and coverage ratios
CRLs PPLs PCRLs
As at 31 December 2013
£m
2012
£m
2013
£m
2012
£m
2013
£m
2012
£m
Home loans 2,803 3,321 316 321 3,119 3,642
Credit cards and unsecured lending 3,468 3,954 279 295 3,747 4,249
Other retail lending and business banking 1,296 1,447 113 142 1,409 1,589
Total retaila 7,567 8,722 708 758 8,275 9,480
Impairment allowance CRL coverage PCRL coverage
As at 31 December 2013
£m
2012
£m
2013
£m
2012
£m
2013
£m
2012
£m
Home loans 776 849 27.7 25.6 24.9 23.3
Credit cards and unsecured lending 3,026 3,212 87.3 81.2 80.8 75.6
Other retail lending and business banking 570 574 44.0 39.7 40.5 36.1
Total retail 4,372 4,635 57.8 53.1 52.8 48.9
PCRLs and coverage ratios by business
CRLs PPLs PCRLs
As at 31 December 2013
£m
2012
£m
2013
£m
2012
£m
2013
£m
2012
£m
UK RBB 2,664 2,883 239 283 2,903 3,166
Europe RBB 1,801 1,734 73 98 1,874 1,832
Africa RBBa 1,026 1,691 153 163 1,179 1,854
Barclaycard 1,992 2,288 239 208 2,231 2,496
Corporate Banking 45 92 2 5 47 97
Wealth and Investment Management 39 34 2 1 41 35
Total retail 7,567 8,722 708 758 8,275 9,480
Impairment allowance CRL coverage PCRL coverage
As at 31 December 2013
£m
2012
£m
2013
£m
2012
£m
2013
£m
2012
£m
UK RBB 1,308 1,369 49.1 47.5 45.1 43.2
Europe RBB 660 560 36.6 32.3 35.2 30.6
Africa RBB 491 700 47.9 41.4 41.6 37.8
Barclaycard 1,856 1,911 93.2 83.5 83.2 76.6
Corporate Banking 39 79 86.7 85.9 83.0 81.4
Wealth and Investment Management 18 16 46.2 47.1 43.9 45.7
Total retail 4,372 4,635 57.8 53.1 52.8 48.9
CRL balances in retail portfolios decreased 13.2% to £7,567m. This is primarily driven by Africa RBB and the associated depreciation of ZAR
against GBP and the reduction in the recovery book in South Africa home loans. The reduction in UK RBB reflected higher cash recoveries in
Business Banking and lower flows into recovery in Consumer Lending. The reduction in Barclaycard reflected lower balances in recovery across the
principal portfolios. The CRL decrease was partially offset by higher balances in Europe RBB, primarily due to appreciation of EUR against GBP and
an increase in recovery balances across all home loans portfolios.
Note
a 2012 PCRL balances in Africa RBB have been restated to better reflect their PCRL categorisation. As a result PCRL balances increased by £3m; 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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160 Barclays PLC Annual Report 2013