Barclays 2015 Annual Report Download - page 170

168 I Barclays PLC Annual Report 2015 home.barclays/annualreport
Risk review
Risk performance
Credit risk
Impaired loans
The following table represents an analysis of impaired loans in line with the disclosure requirements from the Enhanced Disclosure Taskforce. For
further information on definitions of impaired loans refer to the identifying potential credit risk loans section on page 112 of Barclays PLC 2015 Pillar 3
Report.
Movement in impaired loans
At beginning
of year
£m
Classified as
impaired
during the
year
£m
Transferred
to not
impaired
during the
year
£m
Repayments
£m
Amounts
written off
£m
Acquisitions
and
disposals
£m
Exchange
and other
adjustmentsa
£m
Balance at
31 December
£m
2015
Home loans 1,503 602 (192) (272) (97) – (207) 1,337
Credit cards, unsecured and other retail lending 2,613 2,226 (112) (269) (1,873) – (385) 2,200
Corporate loans 2,683 1,032 (558) (208) (333) (43) (475) 2,098
Total impaired loans 6,799 3,860 (862) (749) (2,303) (43) (1,067) 5,635
2014
Home loans 1,983 762 (352) (412) (161) – (317) 1,503
Credit cards, unsecured and other retail lending 3,385 2,089 (108) (361) (1,885) – (507) 2,613
Corporate loans 5,142 1,167 (729) (658) (1,211) – (1,028) 2,683
Total impaired loans 10,510 4,018 (1,189) (1,431) (3,257) – (1,852) 6,799
For information on restructured loans refer to disclosures on forbearance on pages 164 to 167.
Analysis of loans and advances assessed as impaired (audited)
The following table presents an age analysis of loans and advances collectively impaired and total individually impaired loans.
Loans and advances assessed as impaired (audited)
Past due up
to 1 month
£m
Past due
1-2 months
£m
Past due
2-3 months
£m
Past due
3-6 months
£m
Past due
6 months
and over
£m
Total
£m
Individually
assessed for
impairment
£m
Total
£m
As at 31 December 2015
Home loans 3,672 1,036 278 364 812 6,162 648 6,810
Credit cards, unsecured and other retail lending 1,241 691 284 541 1,792 4,549 964 5,513
Corporate loans 251 76 45 76 96 544 1,786 2,330
Total 5,164 1,803 607 981 2,700 11,255 3,398 14,653
As at 31 December 2014
Home loans 5,155 1,424 335 470 1,050 8,434 455 8,889
Credit cards, unsecured and other retail lending 1,196 738 299 532 2,225 4,990 800 5,790
Corporate loans 284 30 24 25 148 511 2,679 3,190
Total 6,635 2,192 658 1,027 3,423 13,935 3,934 17,869
The decrease in collectively impaired loans to £11.3bn (2014: £13.9bn) predominantly relates to home loans within the past due up to 1 month
category. MCA forbearance balances previously allocated into this category (2014 MCA balances: £1.3bn) no longer form part of the forbearance
programme nor collectively assessed for impairment.
Note
a Exchange and other adjustments includes the reclassification of the Portuguese loans now held for sale and the Spanish loans held for sale in 2014.