Barclays 2015 Annual Report Download - page 231

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home.barclays/annualreport Barclays PLC Annual Report 2015 I 229
2015
£m
2014
£m
2013
£m
Income statement information
Net interest income 6,438 6,298 5,893
Net fee, commission and other income 2,288 2,530 2,830
Total income 8,726 8,828 8,723
Credit impairment charges and other provisions (378) (482) (621)
Net operating income 8,348 8,346 8,102
Operating expenses (4,774) (4,951) (5,362)
UK bank levy (93) (70) (66)
Litigation and conduct (109) (54) (98)
Costs to achieve (292) (400) (384)
Total operating expenses (5,268) (5,475) (5,910)
Other net (expenses)/income (40) 14 41
Profit before tax 3,040 2,885 2,233
Attributable profit 2,179 2,058 1,681
Balance sheet information
Loans and advances to customers at amortised cost £218.4bn £217.0bn £212.2bn
Total assets £287.2bn £285.0bn £278.5bn
Customer deposits £305.4bn £299.2bn £295.9bn
Risk weighted assets £120.4bn £120.2bn £118.3bn
Key facts
Average LTV of mortgage lendinga49% 52% 56%
Average LTV of new mortgage lendinga64% 65% 64%
Client assetsb£112.2bn £148.6bn £155.3bn
Number of branches 1,362 1,488 1,560
Number of employees (full time equivalent) 45,700 45,600 50,100
Performance measures
Return on average tangible equity 16.2% 15.8% 12.7%
Average allocated tangible equity £13.6bn £13.1bn £13.2bn
Return on average equity 12.1% 11.9% 9.7%
Average allocated equity £18.2bn £17.5bn £17.3bn
Cost:income ratio 60% 62% 68%
Loan loss rate (bps) 17 21 28
Net interest margin 2.99% 3.00% 2.91%
Analysis of total income £m £m £m
Personal 4,054 4,159 4,040
Corporate 3,754 3,592 3,620
Wealth 918 1,077 1,063
Total income 8,726 8,828 8,723
Analysis of loans and advances to customers at amortised cost
Personal £137.0bn £136.8bn £133.8bn
Corporate £67.9bn £65.1bn £62.5bn
Wealth £13.5bn £15.1bn £15.9bn
Total loans and advances to customers at amortised cost £218.4bn £217.0bn £212.2bn
Analysis of customer deposits
Personal £151.3bn £145.8bn £140.5bn
Corporate £124.4bn £122.2bn £118.5bn
Wealth £29.7bn £31.2bn £36.9bn
Total customer deposits £305.4bn £299.2bn £295.9bn
Notes
a Average LTV of mortgage lending and new mortgage lending calculated on the balance weighted basis.
b Includes assets managed or administered by Barclays on behalf of clients including Assets Under Management (AUM), custody assets, assets under administration, and Wealth
client deposits and client lending.
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