Barclays 2015 Annual Report Download - page 151

home.barclays/annualreport Barclays PLC Annual Report 2015 I 149
In the loan portfolios, 89% of home loans (2014: 86%) to customers are measured as strong. The majority of credit card, unsecured and other retail
lending remained satisfactory, reflecting the unsecured nature of a significant proportion of the balance, comprising 76% (2014: 71%) of the total.
The credit quality profile of the Group’s wholesale lending remained stable with counterparties rated strong at 72% (2014: 72%).
Further analysis of debt securities by issuer and issuer type and netting and collateral arrangements on derivative financial instruments is presented
on pages 162 and 163 respectively.
Balance sheet credit quality (audited)
Strong
(including
investment
grade)
£m
Satisfactory
(BB+ to B)
£m
Higher risk
(B- and
below)
£m
Maximum
exposure to
credit risk
£m
Strong
(including
investment
grade)
%
Satisfactory
(BB+ to B)
%
Higher risk
(B- and
below)
%
Maximum
exposure to
credit risk
%
As at 31 December 2015
Cash and balances at central banks 49,711 – – 49,711 100 0 0 100
Items in the course of collection from
other banks 922 62 27 1,011 91 6 3 100
Trading portfolio assets:
Debt securities 43,118 2,217 241 45,576 95 5 0 100
Traded loans 329 1,880 265 2,474 13 76 11 100
Total trading portfolio assets 43,447 4,097 506 48,050 90 9 1 100
Financial assets designated at fair value:
Loans and advances 16,751 790 372 17,913 94 4 2 100
Debt securities 1,378 3 2 1,383 100 0 0 100
Reverse repurchase agreements and other
similar secured lendinga41,145 8,352 16 49,513 83 17 0 100
Other financial assets 313 62 – 375 83 17 0 100
Total financial assets designated at fair value 59,587 9,207 390 69,184 86 13 1 100
Derivative financial instruments 313,114 13,270 1,325 327,709 96 4 0 100
Loans and advances to banks 39,059 1,163 1,127 41,349 94 3 3 100
Loans and advances to customers:
Home loans 139,252 9,704 6,907 155,863 89 6 5 100
Credit cards, unsecured and other retail lending 12,347 51,294 4,199 67,840 18 76 6 100
Corporate loans 125,743 39,600 10,171 175,514 72 22 6 100
Total loans and advances to customers 277,342 100,598 21,277 399,217 70 25 5 100
Reverse repurchase agreements and other
similar secured lending 23,040 5,147 – 28,187 82 18 0 100
Available for sale debt securities 88,536 632 110 89,278 99 1 0 100
Other assets 1,142 233 35 1,410 81 17 2 100
Total assets 895,900 134,409 24,797 1,055,106 85 13 2 100
As at 31 December 2014
Cash and balances at central banks 39,695 – – 39,695 100 0 0 100
Items in the course of collection from
other banks 1,134 47 29 1,210 94 4 2 100
Trading portfolio assets:
Debt securities 60,290 5,202 505 65,997 91 8 1 100
Traded loans 446 1,935 312 2,693 16 72 12 100
Total trading portfolio assets 60,736 7,137 817 68,690 89 10 1 100
Financial assets designated at fair value:
Loans and advances 18,544 844 810 20,198 92 4 4 100
Debt securities 4,316 130 2 4,448 97 3 0 100
Reverse repurchase agreements and other
similar secured lending 4,876 346 14 5,236 93 7 0 100
Other financial assets 269 168 32 469 57 36 7 100
Total financial assets
designated at fair value 28,005 1,488 858 30,351 92 5 3 100
Derivative financial instruments 414,980 24,387 542 439,909 94 6 0 100
Loans and advances to banks 39,453 1,651 1,007 42,111 94 4 2 100
Loans and advances to customers:
Home loans 143,700 13,900 9,374 166,974 86 8 6 100
Credit cards, unsecured and other retail lending 15,369 49,255 4,398 69,022 23 71 6 100
Corporate loans 137,102 42,483 12,186 191,771 72 22 6 100
Total loans and advances to customers 296,171 105,638 25,958 427,767 69 25 6 100
Reverse repurchase agreements and other
similar secured lending 102,609 29,142 2 131,753 78 22 0 100
Available for sale debt securities 84,405 498 636 85,539 98 1 1 100
Other assets 1,336 282 62 1,680 79 17 4 100
Total assets 1,068,524 170,270 29,911 1,268,705 84 13 3 100
Note
a During 2015, new reverse repurchase agreements and other similar secured lending in certain businesses have been designated at fair value to better align to the way the business
manages the portfolio’s risk and performance.
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