Statistical information


Statistical and other risk information

This section of the report contains supplementary information that is more detailed or contains longer histories than the data presented in the discussion. For commentary on this information, please refer to the preceding text (pages 90 to 101).

Barclays applied International Financial Reporting Standards (IFRS) with effect from 1st January 2004, with the exception of IAS 32, IAS 39 and IFRS 4, which were applied from 1st January 2005.

Credit risk management

Table 1: Risk Tendency by business
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2007  2006 
£m  £m 
UK Banking  775  790 
UK Retail Banking  470  500 
Barclays Commercial Bank  305  290 
Barclaycard  945  1,135 
International Retail and Commercial Banking  475  220 
International Retail and Commercial Banking – excluding Absa  220  75 
International Retail and Commercial Banking – Absa  255  145 
Barclays Capital  140  95 
Barclays Wealth  10  10 
Head office functions and other operations a   10  10 
Risk Tendency by business  2,355  2,260 

Table 2: Loans and advances
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2007  2006 
£m  £m 
Retail businesses 
Banks  –  – 
Customers  164,062  139,350 
Total retail businesses  164,062  139,350 
Wholesale businesses 
Banks  40,123  30,930 
Customers  185,105  146,281 
Total wholesale businesses  225,228  177,211 
Loans and advances  389,290  316,561 
Note
a
Head office functions and other operations comprises discontinued business in transition.
Table 3: Maturity analysis of loans and advances to banks

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Over three  Over six  Over one  Over three  Over five 
months  months but  year  years  years 
Not more  but not  not more  but not  but not  but not 
than three  more than  than one  more than  more than  more than  Over 
On demand  months  six months  year  three years  five years  ten years  ten years  Total 
At 31st December 2007  £m  £m  £m  £m  £m  £m  £m  £m  £m 
United Kingdom  796  4,069  56  92  114  20  1  370  5,518 
Other European Union  2,977  7,745  74  88  95  116  7  –  11,102 
United States  321  5,736  95  1,255  343  98  5,498  97  13,443 
Africa  283  1,260  131  114  196  439  158  –  2,581 
Rest of the World  1,505  3,336  90  1,640  512  362  15  19  7,479 
Loans and advances to banks  5,882  22,146  446  3,189  1,260  1,035  5,679  486  40,123 

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Over three  Over six  Over one  Over three  Over five 
months  months but  year  years  years 
Not more  but not  not more  but not  but not  but not 
than three  more than  than one  more than  more than  more than  Over 
On demand  months  six months  year  three years  five years  ten years  ten years  Total 
At 31st December 2006  £m  £m  £m  £m  £m  £m  £m  £m  £m 
United Kingdom  524  5,211  110  18  43  10  –  313  6,229 
Other European Union  619  7,514  90  130  81  78  1  –  8,513 
United States  431  2,592  363  2,634  5  809  923  1,299  9,056 
Africa  701  1,027  83  91  188  85  44  –  2,219 
Rest of the World  612  2,465  154  191  1,278  148  44  21  4,913 
Loans and advances to banks  2,887  18,809  800  3,064  1,595  1,130  1,012  1,633  30,930 

Table 4: Interest rate sensitivity of loans and advances
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2007  2006 
Fixed  Variable  Fixed  Variable 
rate  rate  Total  rate  rate  Total 
At 31st December  £m  £m  £m  £m  £m  £m 
Banks  16,447  23,676  40,123  12,176  18,754  30,930 
Customers  77,861  271,306  349,167  66,000  219,631  285,631 

Table 5: Loans and advances to customers by industry
IFRS  UK GAAP 
2007  2006  2005  2004 a   2003 
At 31st December  £m  £m  £m  £m  £m 
Financial services  71,160  45,954  43,102  25,132  9,872 
Agriculture, forestry and fishing  3,319  3,997  3,785  2,345  2,115 
Manufacturing  16,974  15,451  13,779  9,044  7,844 
Construction  5,423  4,056  5,020  3,278  2,534 
Property  17,018  16,528  16,325  8,992  6,728 
Government  2,036  2,426  1,718  –  – 
Energy and water  8,632  6,810  6,891  3,709  3,150 
Wholesale and retail, distribution and leisure  17,768  15,490  17,760  11,099  9,628 
Transport  6,258  5,586  5,960  3,742  3,654 
Postal and communication  5,404  2,180  1,313  834  698 
Business and other services  30,363  26,999  22,529  23,223  13,913 
Home loans b   112,087  94,635  87,003  79,164  72,318 
Other personal  41,535  35,377  38,069  29,293  23,922 
Overseas customers c   –  –  –  –  8,666 
Finance lease receivables  11,190  10,142  9,088  6,938  5,877 
Loans and advances to customers excluding reverse repurchase agreements  349,167  285,631  272,342  206,793  170,919 
Reverse repurchase agreements  n/a  n/a  n/a  58,304  n/a 
Trading business  n/a  n/a  n/a  n/a  58,961 
Loans and advances to customers  349,167  285,631  272,342  265,097  229,880 
Notes
a
Does not reflect the application of IAS 32, IAS 39 and IFRS 4 which became effective from 1st January 2005.
b
Excludes commercial property mortgages.
c
Overseas customers are now classified as part of other industry segments.
Table 6: Loans and advances to customers in the UK
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IFRS  UK GAAP 
2007  2006  2005  2004 a   2003 
At 31st December  £m  £m  £m  £m  £m 
Financial services  21,131  14,011  11,958  8,774  7,721 
Agriculture, forestry and fishing  2,220  2,307  2,409  1,963  1,766 
Manufacturing  9,388  9,047  8,469  5,684  5,967 
Construction  3,542  2,761  3,090  2,285  1,883 
Property  10,203  10,010  10,547  7,912  6,341 
Government  201  6  6  –  – 
Energy and water  2,203  2,360  2,701  802  1,286 
Wholesale and retail distribution and leisure  13,800  12,951  12,747  9,356  8,886 
Transport  3,185  2,745  2,797  1,822  2,579 
Postal and communication  1,416  899  455  440  476 
Business and other services  20,485  19,260  15,397  13,439  12,030 
Home loans b   71,755  64,150  58,730  61,348  61,905 
Other personal  26,810  26,088  29,250  26,872  21,905 
Overseas customers c   –  –  –  –  5,477 
Finance lease receivables  4,008  3,923  5,203  5,551  5,587 
Loans and advances to customers in the UK  190,347  170,518  163,759  146,248  143,809 

The category ‘other personal’ now includes credit cards, personal loans, second liens and personal overdrafts.

The industry classifications in Tables 5-9 have been prepared at the level of the borrowing entity. This means that a loan to the subsidiary of a major corporation is classified by the industry in which the subsidiary operates, even though the parent’s predominant business may be in a different industry.

Table 7: Loans and advances to customers in other European Union countries
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IFRS  UK GAAP 
2007  2006  2005  2004 a   2003 
At 31st December  £m  £m  £m  £m  £m 
Financial services  7,585  5,629  3,982  2,419  1,205 
Agriculture, forestry and fishing  141  786  155  280  147 
Manufacturing  4,175  3,147  2,254  2,021  1,275 
Construction  1,159  639  803  716  609 
Property  2,510  2,162  3,299  344  346 
Government  –  6  –  –  – 
Energy and water  2,425  2,050  1,490  940  409 
Wholesale and retail distribution and leisure  1,719  776  952  810  426 
Transport  1,933  1,465  1,695  640  566 
Postal and communication  662  580  432  111  40 
Business and other services  3,801  2,343  3,594  3,795  1,251 
Home loans b   24,115  18,616  16,488  11,828  10,334 
Other personal  3,905  3,672  1,909  1,369  1,769 
Overseas customers c   –  –  –  –  438 
Finance lease receivables  2,403  1,559  1,870  937  212 
Loans and advances to customers in other European Union countries