Barclays 2015 Annual Report Download - page 153

home.barclays/annualreport Barclays PLC Annual Report 2015 I 151
Analysis of gross loans and advances by product
Home Loans
£m
Credit cards,
unsecured
and other
retail lending
£m
Corporate
Loans
£m
Group
Total
£m
As at 31 December 2015
Personal & Corporate Banking 135,380 21,026 68,661 225,067
Africa Banking 10,368 7,633 14,366 32,367
Barclaycard – 41,559 1,787 43,346
Investment Bank – – 92,321 92,321
Head Office and Other Operations – – 5,922 5,922
Total Core 145,748 70,218 183,057 399,023
Barclays Non-Core 10,633 1,016 34,815 46,464
Group Total 156,381 71,234 217,872 445,487
As at 31 December 2014
Personal & Corporate Banking 136,022 23,837 64,877 224,736
Africa Banking 12,959 8,375 16,312 37,646
Barclaycard – 38,376 – 38,376
Investment Bank – – 106,377 106,377
Head Office and Other Operations – – 3,240 3,240
Total Core 148,981 70,588 190,806 410,375
Barclays Non-Core 18,540 1,779 44,639 64,958
Group Total 167,521 72,367 235,445 475,333
Analysis of the concentration of credit risk
A concentration of credit risk exists when a number of counterparties are located in a geographical region or are engaged in similar activities and
have similar economic characteristics that would cause their ability to meet contractual obligations to be similarly affected by changes in economic
or other conditions. The Group implements limits on concentrations in order to mitigate the risk. The analyses of credit risk concentrations presented
below are based on the location of the counterparty or customer or the industry in which they are engaged. Further detail on the Group’s policies
with regard to managing concentration risk is presented on page 126 of the Barclays PLC 2015 Pillar 3 Report.
Geographic concentrations
As at 31 December 2015, the geographic concentration of the Group’s assets remained broadly consistent with 2014. 40% (2014: 38%) of the
exposure is concentrated in the UK, 31% (2014: 31%) in the Americas and 20% (2014: 22%) in Europe.
Information on exposures to selected Eurozone countries is presented on page 152.
Credit risk concentrations by geography (audited)
As at 31 December 2015
United
Kingdom
£m
Europe
£m
Americas
£m
Africa and
Middle East
£m
Asia
£m
Total
£m
On-balance sheet:
Cash and balances at central banks 14,061 19,094 13,288 2,055 1,213 49,711
Items in the course of collection from other banks 543 72 – 396 – 1,011
Trading portfolio assets 7,150 10,012 23,641 2,111 5,136 48,050
Financial assets designated at fair value 22,991 5,562 35,910 3,039 1,682 69,184
Derivative financial instruments 99,658 103,498 101,592 3,054 19,907 327,709
Loans and advances to banks 10,733 9,918 13,078 2,900 4,720 41,349
Loans and advances to customers 239,086 47,372 69,803 33,461 9,495 399,217
Reverse repurchase agreements and other similar secured lendinga5,905 4,361 15,684 915 1,322 28,187
Available for sale debt securities 20,509 40,344 20,520 3,999 3,906 89,278
Other assets 868 4 131 314 93 1,410
Total on-balance sheet 421,504 240,237 293,647 52,244 47,474 1,055,106
Off-balance sheet:
Contingent liabilities 9,543 3,020 5,047 2,505 461 20,576
Documentary credits and other short-term trade-related transactions 594 58 – 193 – 845
Forward starting reverse repurchase agreementsb 9 5 65 – 14 93
Standby facilities, credit lines and other commitments 104,797 34,370 125,456 13,600 3,146 281,369
Total off-balance sheet 114,943 37,453 130,568 16,298 3,621 302,883
Total 536,447 277,690 424,215 68,542 51,095 1,357,989
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.
b Forward starting reverse repurchase agreements were previously disclosed as loan commitments. Following the business designation of reverse repurchase and repurchase
agreements at fair value through profit and loss, new forward starting reverse repurchase agreements are within the scope of IAS 39 and are recognised as derivatives on the
balance sheet.
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