Barclays 2015 Annual Report Download - page 233

home.barclays/annualreport Barclays PLC Annual Report 2015 I 231
2015
£m
2014
£m
2013
£m
Income statement information
Net interest income 3,520 3,044 2,829
Net fee, commission and other income 1,407 1,312 1,274
Total income 4,927 4,356 4,103
Credit impairment charges and other provisions (1,251) (1,183) (1,096)
Net operating income 3,676 3,173 3,007
Operating expenses (1,927) (1,727) (1,752)
UK bank levy (42) (29) (22)
Litigation and conduct – – (34)
Costs to achieve (106) (118) (49)
Total operating expenses (2,075) (1,874) (1,857)
Other net income 33 40 33
Profit before tax 1,634 1,339 1,183
Attributable profit 1,106 938 822
Balance sheet information
Loans and advances to customers at amortised cost £39.8bn £36.6bn £31.5bn
Total assets £47.4bn £41.3bn £34.4bn
Customer deposits £10.2bn £7.3bn £5.1bn
Risk weighted assets £41.3bn £39.9bn £35.7bn
Key facts
30 days arrears rates – UK cards 2.3% 2.5% 2.4%
30 days arrears rates – US cards 2.2% 2.1% 2.1%
Total number of Barclaycard consumer customers 28.2m 29.1m 26.3m
Total number of Barclaycard business clients 341,000 340,000 350,000
Value of payments processed £293bn £257bn £236bn
Number of employees (full time equivalent) 13,100 12,200 11,000
Performance measures
Return on average tangible equity 22.3% 19.9% 19.9%
Average allocated tangible equity £5.0bn £4.7bn £4.1bn
Return on average equity 17.7% 16.0% 15.5%
Average allocated equity £6.3bn £5.9bn £5.3bn
Cost:income ratio 42% 43% 45%
Loan loss rate (bps) 289 308 332
Net interest margin 9.13% 8.75% 8.99%
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