barclays plc group reporting changes 2015 & 2014 results

Barclays PLC

Group Reporting Changes

2015 & 2014 Results Restatement Document

Barclays PLCRestatement

Table of C

Restateme

Overview of R

Performance

Results by Bu

Barclays U

Barclays C

Head Offi

Barclays N

Discontin

Barclays Resu

Performance

C – 2015 & 2014 Document

Contents

ent Docum

Reporting Cha

Highlights

usiness

UK

Corporate & In

ce

Non-Core

ued Operation

ults by Quarter

Management

BARCLAYS PLC,

4 Results

ment

nges

nternational

n: Barclays Afr

r

1 CHURCHILL PLACE

ica

E, LONDON, E14 5HP

1

, UNITED KINGDOM.

TELEPHONE: +44 (0)) 20 7116 1000. COMMPANY NO. 48839

Page

3-4

5-6

7-9

10-12

13

14-15

16-17

18-26

27

e

4

6

9

2

3

5

7

6

7


Notes The term Barclaof millions of Po

Notable items aitems include: ginvestigations agoodwill and otrevision of Educ

Relevant terms Standards (IFRS

The informationStatutory accouBarclays PLC anSection 495 of tthe Registrar of

These results wForm 6-K will awww.sec.gov.

Barclays is a freConsistent withthese results an

Forward-lThis document amended, and Slooking statemematerially from relate only to hi‘target’, ‘projectstatements inclprovisions, busiof growth in thstrategic cost pexpenditures annature, forwardchanges in legiapplication of acof conduct provaddition, factorsthe future strucconditions; the effects of changratings of any eimplementationthese influencesleverage ratios mfactors which mlimitation, our A

Subject to our ongoing informinformation, fut

C – 2015 & 2014 Document

ays or Group refeounds Sterling res

are considered togains on US Lehnd litigation incluther assets relat

cation, Social Hou

that are used iS) are explained in

n in this announunts for the year end Barclays Bank the Companies A Companies in ac

ill be furnished asalso be available

equent issuer in h its usual practic

d other matters r

looking sta contains certainSection 27A of tent is a guarante those contained istorical or currented’, ‘expect’, ‘esude, among othness strategy, cae banking and fiprogramme and nd plans and obje-looking statemeislation, the deveccounting and revisions, the polics including (but n

cture of the Groueffects of contin

ges in valuation oentities within then of the strategics and factors aremay differ materimay impact the Annual Report on

obligations undemation, we undeture events or oth

4 Results

ers to Barclays PLspectively.

o be significant ithman acquisitionuding Foreign Exing to businesse

using, and Local A

n this documentn the Results glos

ncement does noended 31 Decem PLC to the US S

Act 2006 (which dccordance with Se

s a Form 6-K to tfrom the Barclay

the debt capitalce, Barclays experelating to the Gr

atements n forward-lookinghe US Securities

ee of future perfo in the forward-lont facts. Forwardtimate’, ‘intend’, ers, statements pital, leverage annancial markets,the Group Strat

ectives for future ents involve risk aelopment of stanegulatory standarcies and actions not limited to) thep) applicable to p

nued volatility in of credit market e Group or any s cost programme beyond the Grally from the planGroup’s future f Form 20-F for th

er the applicable rtake no obligat

herwise.

LC together with

ems impacting pn assets; the impxchange; gain on es being disposedAuthority (ESHLA

t but are not dessary that can be

ot comprise statmber 2015, whichSecurities and Excdid not make anyection 441 of the

he SEC as soon ays Investor Relat

l markets and reects that from timoup.

g statements wi Act of 1933, as

ormance and thaooking statement

d-looking stateme ‘plan’, ‘goal’, ‘beregarding the G

nd other regulato projected costs tegy Update, run operations, projeand uncertainty bndards and interrds, the outcome of governmentae following may hpast, current andcredit markets; mexposures; chan

securities issued e; and the succe

roup’s control. Ans, goals, and expfinancial conditiohe fiscal year end

laws and regulation to update p

2

its subsidiaries. T

performance andpact of own cre valuation of a cod; losses on sale

A) valuation meth

efined under app accessed at www

utory accounts w included certainchange Commiss

y statements unde Companies Act

as practicable follotions website ww

egularly meets wme to time over t

thin the meanin amended, with

at actual results ots. These forwardents sometimes uelieve’, ‘achieve’ roup’s future finry ratios, paymen or savings, origindown of assetsected employee nbecause they relarpretations unde of current and fu

al and regulatoryhave an effect: cad future periods; market related risges in valuation by such entities;

ess of future acqAs a result, the Gpectations set for

on and performaed 31 December

ations of the Unipublicly or revise

The abbreviations

have been callededit; provisions fomponent of the e relating to the hodology.

plicable regulatow.barclays.com/r

within the meann information reqsion (SEC) and wer Section 498 of2006.

owing their publiww.barclays.com

with investors via the coming quar

g of Section 21Erespect to the G

or other financiad-looking statemuse words such aor other words o

nancial position, nt of dividends (inal and revised c

s and businessesnumbers and othate to future eveer IFRS, evolving uture legal proce

y authorities, geoapital, leverage anUK, US, Africa, Eusks such as chanof issued securit the potential foruisitions, disposa

Group’s actual furth in the Group’snce are identifie 2015), which are

ited Kingdom ane any forward lo

s ‘£m’ and ‘£bn’

d out for each offor UK customer defined retiremeSpanish, Portug

ry guidance or results.

ning of Section 4uired for the Join

which contained af the Companies

ication. Once furn/investorrelation

formal road-shorter it will meet w

E of the US SecuGroup. Barclays c

l condition or pements can be iden

as ‘may’, ‘will’, ‘seof similar meaniincome growth, ncluding dividendcommitments ans within Barclaysher statements thnts and circumst practices with

eedings and reguopolitical risks annd other regulatourozone and globnges in interest rties; volatility in cr one or more coals and other stra

uture results, divis forward-lookingd in our filings we available on the

d the United Staooking statemen

represent million

f the business se redress; provisi

ent benefit liabilituese and Italian

International Fin

434 of the Compnt Annual Report an unqualified au Act 2006) have b

nished with the Sns and from the

ows and other awith investors glo

urities Exchange autions readers t

erformance measntified by the facteek’, ‘continue’, ‘ng. Examples of assets, impairmd pay-out ratios)

nd targets in cons Non-Core, estihat are not histortances. These maregard to the inlatory investigationd the impact ofory rules (includinbal macroeconomrates and foreigncapital markets; countries exiting tategic transactiodend payments,

g statements. Adwith the SEC (ine SEC’s website at

ates in relation tonts, whether as

ns and thousands

egments. Notableons for ongoingty; impairment of businesses; and

ancial Reporting

panies Act 2006. on Form 20-F ofudit report underbeen delivered to

SEC, copies of theSEC’s website at

ad hoc meetings.obally to discuss

Act of 1934, asthat no forward-

sures could differ that they do notaim’, ‘anticipate’, forward-lookingent charges and, projected levelsnection with themates of capital

rical fact. By theiray be affected by

nterpretation andons, future levelsf competition. Inng with regard tomic and businessn exchange rates;changes in credithe Eurozone; the

ons. A number of and capital andditional risks and

ncluding, withoutt www.sec.gov.

o disclosure anda result of new

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Overview


This documeoutlined in th2014 segmen Segmental r The Gro

requirem– –

Given thBarclays

The Nonassets (R

Barclays UK The segmentPersonal andreported in th Barclays UK bUK ring-fencconsumer creofferings (We With around banking cliento service thexperiences a Barclays CorpThe segmentCorporate an(consisting ofmerchant acq Barclays Corpremaining wInvestment B CIB brings toPayments buoffering, and and consumefurther resilie Barclays AfricOn 1 March intended to bshareholder a The Barclaysresults for 20profit after taBAGL to fall balso be recog

of Reporti

C – 2015 & 2014 Document

ent provides dehe 2015 Resultntal results.

restatements

up is being sments:

Barclays UK Barclays Corp

e intention to Africa results

n-Core segmenRWAs)

t incorporatesd Corporate Bhe Barclaycard

businesses areced bank by 2edit card businealth, Entrepre

24 million conts, it is a pre-ehese customeand enabling in

porate & Internt incorporatesnd Wealth busf the US, Germquiring), previo

porate & Internwithin Barclays

ank (CIB) and

ogether a topsiness incorpo leading paymer lending, stre

ence and divers

ca 2016, Barclaybe to a level and regulatory

Africa busine015 and 2014 ax and non-cobelow the carr

gnised through

ing Chang

4 Results

etails of the imts Announcem

s

implified to fo

porate & Intern

sell down Bar in the Group f

nt has been en

s the UK PersBanking (PCB)d segment.

e now being ru2019. The segness (Barclayceneurs & Busin

mbined persoeminent UK finers and clientncome and co

national s the previoussinesses, prev

man and Nordicously reported

national comps Bank PLC a international C

p-tier global inorates the stroents capabilityength in key msification.

ys announced which will pe

y approvals if a

ess meets thehave been preontrolling interying amount oh these lines.

es

mpact on the Gment on 1 Mar

ocus on two c

national

rclays’ 62.3% ifinancials as a

nlarged, with

onal, small U) segment; an

un as a single gment comprard Consumeress Banking).

nal and card cnancial servicets more effecst synergies.

ly reported Inviously reportec consumer cr

d in the Barclay

prises the busiand certain suConsumer, Ca

nvestment bang and growiny. Barclays Cormarkets, stron

its intention termit deconsoand as required

e requirementsesented as twerest in respecof the net asse

3

Group’s financrch 2016, and

core operating

interest in Bar discontinued

the transfer to

K Corporate and the Barclay

segment and ises the UK rr UK), and the

customers inces provider. Thctively and ef

nvestment Baned in the PCBredit cards busycard segment

nesses that arubsidiaries. Th

ards & Paymen

nk and our cng US and interporate & Inter

ng growth pote

to sell down tlidation from

d.

s for presentao lines on the ct of the discoets of BAGL, a

cial reporting a provides the

g segments in

clays Africa Goperation

o the segment

and UK Wealtycard UK con

represent the retail banking UK-based we

cluding one me bringing tog

fficiently, resu

nk segment; th segment; an

sinesses), and t.

re intended to he segment cnts businesses.

corporate banernational credrnational has sential, and go

the Group’s 6an accountin

ation as a disc face of the Gontinued oper

a resulting imp

as a result of restated quart

n preparation

roup Limited (

t of approxim

h businesses; nsumer credit

businesses th operations (

ealth, entrepren

illion wealth, egether of theseulting in impr

he large UK Cd the internat Barclaycard B

form the noncomprises the.

king franchisedit cards businescale in wholeod balance in

2.3% interest g and regulat

continued operoup income sration. Were t

pairment to Ba

the business rterly and full y

for regulatory

(BAGL) we ha

ately £8bn of

previously recards busine

hat are intende(Personal Banneurs and bus

entrepreneurse businesses aroved custom

Corporate, andtional Barclayusiness Solutio

n-ring-fenced be combined C

e. The Consuess, the internsale and corpo income strea

in BAGL. Thistory perspecti

eration. As sustatement, repthe market carclays’ stake in

reorganisationyear 2015 and

y ring fencing

ve treated the

risk weighted

eported in theess, previously

ed to form theking), the UK

siness banking

and businessllows Barclays

mer and client

d internationalcard businessons (including

bank by 2019,Corporate and

mer, Cards &ational wealthorate banking,ms, delivering

s sell down isve, subject to

uch, the BAGLpresenting theapitalisation ofn BAGL would

n d

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e K g

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d

Overview


The Egypt anhave been tra RWAs and levthey continue Barclays NonOn 1 March 2businesses ancountries andZimbabwe bpreviously rereported in th In addition, tsale of this bu Presentatio In order to sibasis. The imtheir impact o Basis of seg

Key judgmenfollowing:

Operating anCosts of tradcosts betweereceived the r RWAs RWAs have bexposures. Wusing approp Returns and eSegment retureporting, hisCRD IV fully lo The tangible Head Office aThe Group cothose businesreassessed. Abeen allocateincome and R

of Reporti

C – 2015 & 2014 Document

d Zimbabwe bansferred to Ba

verage exposue to be part of

-Core (BNC) 2016, a one-timnd assets pland certain produsinesses, pre

eported in the he Barclaycard

he Barclays Wusiness compl

n of perform

implify reportimpact of notab

on return on a

gment allocat

nts around the

d other expening activity areen operating srelated benefit

been allocatedWhere RWAs apriate drivers b

equity by businurns are calcustoric average oaded RWAs f

equity allocate

allocations ontinues to allosses’ results is

As part of this red from Head ORWAs relating

ing Chang

4 Results

businesses prearclays Non-Co

ure in respect the regulatory

me expansion nned to be exduct lines, preveviously report PCB segmen

d segment (£1b

Wealth Americaeted in Decem

mance highlig

ing, going forwble items (equi

verage tangib

tions

e allocation o

ses e reported witsegments, thist.

d to new operare not directlyased on either

ness ulated as attrallocated tangfor each segm

ed to the Barcl

ocate element closely alignerestatement anOffice to busin to these chan

es

eviously reportore.

of the Barclayy balance shee

of the Non-Coited over 2016viously reporteted in the Afrt (£1bn of RWbn of RWAs).

as business, pmber 2015.

ghts and resu

ward Group revalent to prevle equity and b

of activity and

hin the relevans has been do

rating segmeny attributable r the underlyin

ibutable profitgible equity forent, adjusted f

ays Africa disc

ts of the Head d to the Groupn additional £4

ness segmentsges are immat

4

ted in the Afric

ys Africa discoet.

ore perimeter 6 and 2017. Ted in the Inverica Banking sWAs) and the

reviously repo

ults

esults will be viously reportebasic earnings

d related finan

nt segment. Wone with the

ts directly, wh to specific ex

ng risk profile o

t divided by ar each segmenfor CRD IV fully

continued ope

Office performp’s results. The45bn (as at De relating to liqterial. Own cre

ca Banking seg

ntinued opera

by £8bn of RWThis expansionstment Bank s

segment (£2be Southern Eu

orted in the PC

primarily repoed adjusting ite per share.

ncial metrics b

Where it has beobjective of r

here possible, xposures, allocor business pe

average allocant has been resy loaded capit

eration is held i

mance to busine methodologiecember 2015uidity requirem

edit will be rep

gment, but wh

ation are show

WAs was annon principally resegment (£3bn of RWAs), t

uropean credit

CB segment, is

orted on a staems) will how

between repor

een necessary reporting cost

based on thecation methodrformance.

ated tangible stated to use 1tal deductions.

in Head Office

ness segmentsies used for th) of the Group

ments. Historicorted within th

ich are not ow

wn within the H

ounced, represelated to the ebn of RWAs), tthe Asian We

t cards busine

s included in N

tutory rather wever be identif

rting segment

to make allocats in the segm

movement odologies have

equity. To alig1.5% (previou

.

e.

s, so that the aese allocation

p liquidity pool c impacts on she Head Office

wned by BAGL,

Head Office as

senting furtherexiting of ninethe Egypt and

ealth business,ess, previously

Non-Core. The

than adjustedfied, including

ts include the

ations of suchment that has

f relevant risk been devised

gn with 2016usly 10.5%) of

ggregation of s are regularly assets have egment e.

,

s

r e d ,

y

e

d g

e

h s

k d

6 f

y

Performa


A summary oreported goin

2015 Barc

Total income nCredit impairmprovisions Net operating Operating expeUK bank levy Litigation and cTotal operatingOther net incomProfit/(loss) bTax (charge)/cProfit/(loss) afoperations Profit after tax operation1 Non-controllingcontinuing opeNon-controllingdiscontinued oOther equity hoAttributable (lo PerformancReturn on averCost: income raLoan loss rate (Basic earnings/

Capital manRisk weighted aLeverage expos

Notable itemGains on US LeOwn credit Provisions for UProvisions for olitigation includGain on valuatidefined retiremImpairment of relating to busiLosses on sale Portuguese and

PerformancReturn on averBasic earnings/

1 Refer to pag2 RWAs and le

nce Highlig

C – 2015 & 2014 Document

of the financialng forward, are

clays resta

net of insurance ment charges and

income enses

conduct g expenses me/(expenses) efore tax

credit fter tax in respe

in respect of dis

g interests in reserations g interests in res

operation1 olders oss)/profit

ce measures

rage tangible equatio (bps) /(loss) per share

nagement assets2 sure2

ms

ehman acquisitio

UK customer redongoing investigding Foreign Excion of a compon

ment benefit liab goodwill and otinesses being di relating to the Sd Italian busines

ce measures rage tangible equ/(loss) per share

ge 16 for further infeverage exposure f

ghts

4 Results

results for thee shown in the

ated results

claims d other

ect of continuin

scontinued

spect of

spect of

uity

e

on assets

dress gations and change nent of the ility ther assets sposed

Spanish, sses

excluding nuity

e

formation on discofor Barclays Africa

e resegmentede tables below:

s

Barclays U£m

7,343

(706

6,637(3,464

(77(2,511(6,052

585

g

(47

(0.3%82%

42

£b70

£m

(2,431

296

otable items21.1%

ontinued operationa are shown within

5

d Group for the:

UK

BarclayCorporate &

Internationam £m3 13,747

6) (922

7 12,8254) (8,0297) (2531) (1,3102) (9,592- 455 3,278

7) 1,758

%) 7.2%% 70%2 49

bn £b0 195

m £m

- 496-

1) (218

- (984

6 133

-

-

s

% 9.5%

n. n Head Office.

e year ended 3

ys & al Head Officm £m7 338

2) -

5 3389) (2723) (80) (662) (3465 (1068 (114

8 11

% % 9

n £b5 40

m £m

6 -- 430

8) -

4) (52

3 -

- -

- (112

%

31 December 2

e Corem £m8 21,428

- (1,628

8 19,8002) (11,7658) (3386) (3,8876) (15,9906) (614) 3,749

(1,479

2,270

(266

(2821 1,722

4.8% 75% 45 10.7p

n £bn0 304

879

m £m

- 4960 430- (2,649

2) (1,036

- 429

-

2) (112

11.2% 24.9p

2015 and 2014

e Non-Corem £m8 612

) (134)

0 478) (1,958)) (88)) (500)) (2,546)) (535)

9 (2,603)) 330

0 (2,273)

6) (82)

) (63)2 (2,418)

% % 5 23p (14.4p)

n £bn4 549 149

m £m

6 -0 -) (123)

6) (201)

9 -

- (96)

) (468)

% p (10.2p)

4, as will be

e Groupm £m2 22,040

) (1,762)

8 20,278 ) (13,723)) (426)) (4,387)) (18,536)) (596)) 1,146

0 (1,149)

) (3)

626

) (348)

(324)

) (345)) (394)

(0.7%) 84%

3 42 ) (1.9p)

n £bn4 358 9 1,028

m £m

- 496 - 430 ) (2,772)

) (1,237)

- 429

) (96)

) (580)

5.8%) 16.6p

p

m

)

)

) )

)

)

)

)

)

)

)

)

) %

)

n

m

)

)

)

)

% p

Performa


2014 Barc

Total income nCredit impairmprovisions Net operating Operating expeUK bank levy Litigation and cTotal operatingOther net incomProfit/(loss) bTax (charge)/cProfit/(loss) afoperations Profit after tax operation1 Non-controllingcontinuing opeNon-controllingdiscontinued oOther equity hoAttributable pr PerformancReturn on averCost: income raLoan loss rate (Basic earnings/ Capital manRisk weighted aLeverage expos

Notable itemGains on US LeOwn credit Revision of ESHProvisions for UProvisions for olitigation includLosses on sale

PerformancReturn on averBasic earnings/

1 Refer to pag2 RWAs and le

nce Highlig

C – 2015 & 2014 Document

clays resta

net of insurance ment charges and

income enses

conduct g expenses me/(expenses) efore tax

credit fter tax in respe

in respect of dis

g interests in reserations g interests in res

operation1 olders rofit/(loss)

ce measures

rage tangible equatio (bps) /(loss) per share

nagement assets2 sure2

ms

ehman acquisitio

HLA valuation mUK customer redongoing investigding Foreign Exc relating to the S

ce measures rage tangible equ/(loss) per share

ge 17 for further infeverage exposure f

ghts

4 Results

ated results

claims d other

ect of continuin

scontinued

spect of

spect of

uity

e

on assets

methodology dress gations and change Spanish business

excluding nuity

e

formation on discofor Barclays Africa

s

Barclays U£m

7,436

(901

6,535(4,108

(59(1,108(5,275

1,260

g

852

9.5%71%

53

£b

69

£m

(1,067

s

otable items18.9%

ontinued operationa are shown within

6

UK

BarclayCorporate &

Internationam £m6 12,908

1) (679

5 12,2298) (8,1709) (2488) (1,3335) (9,751- 520 2,530

2 926

% 3.8%% 76%3 35

bn £b

9 202

m £m- 461-

-

7) 32

- (1,250

-

s

% 7.0%

n. n Head Office.

ys & al Head Officm £m8 276

9) -

9 2760) (708) (93) (651) (1442 3160 448

6 374

% % 5

n £b

2 42

m £m1 -- 34- -2 -

0) -

- 315

%

e Corem £m6 20,620

- (1,580

6 19,0400) (12,3489) (3165) (2,5064) (15,1706 3688 4,238

(1,590

2,648

(303

(1934 2,152

7.0% 74% 43 13.4p

n £bn

2 313 917

m £m- 4614 34- -- (1,035

- (1,250

5 315

11.2% 22.0p

e Non-Corem £m0 1,143

) (241)

0 902) (2,611)) (102)) (301)) (3,014)

8 (813)8 (2,925)) 469

8 (2,456)

) (146)

) (57)2 (2,659)

% % 3 39p (16.2p)

n £bn

3 897 316

m £m -

4 -- (935)) (75)

) -

5 (761)

% p (6.7p)

e Groupm £m

21,763

) (1,821)

19,942 ) (14,959)) (418)) (2,807)) (18,184)) (445)) 1,313

9 (1,121)

) 192

653

) (449)

(320)

) (250)) (174)

(0.3%) 84%

9 42 ) (0.7p)

n £bn

9 402 6 1,233

m £m- 461 - 34 ) (935)) (1,110)

- (1,250)

) (446)

5.9%) 17.3p

p

m

)

)

) )

)

)

)

)

)

)

)

) %

)

n

m

)

)

)

)

% p

Results by


2015 Barc

Analysis of Barpage 9.

Income statNet interest incNet fee, commTotal income Credit impairmprovisions Net operating Operating expeUK bank levy Litigation and cTotal operatingOther net (expeProfit before taAttributable pr Balance sheLoans and advaamortised costTotal assets Customer depoRisk weighted a

PerformancReturn on averAverage allocatCost: income raLoan loss rate (Loan: deposit r

Notable itemProvisions for UGain on valuatithe defined ret

PerformancReturn on aver

1 Refer to pag

y Business

C – 2015 & 2014 Document

clays UK

rclays UK betwee

tement inforcome ission and other

ment charges and

income enses

conduct g expenses enses)/income ax ofit/(loss)

eet informatiances to customt

osits assets

ce measures

rage tangible equted tangible equatio (bps) ratio

ms UK customer redion of a componirement benefit

ce measures rage tangible equ

ge 10 for a breakdo

4 Results

en Personal Ban

(Pubrmation

r income

d other

(

ion

mers at

uity

uity (£bn)

dress nent of liability

excluding nuity

own of moves to B

king, Barclaycar

PCB

blished) Barclay(Publis

£m

6,438 32,288 18,726 4

(378) (1,

8,348 3(5,066) (2,

(93) (109)

(5,268) (2,(40)

3,040 12,179 1

£bn

218.4

287.2

305.4

120.4

16.2% 2213.6 60%

17

otable items

arclays Corporate

7

rd Consumer UK

ycard shed)

MoveBarc

CorporaInternatio

£m ,520 (3,7,407 (2,,927 (5,8

,251)

,676 (5,0,033) 2,(42)

- ,075) 2,8

33 ,634 (2,1,106 (1,4

£bn

39.8 (8

47.4 (1410.2 (1341.3 (8

2.3% 5.0

42% 289

s

& International fro

K and Wealth, En

es to clays ate & onal1

Non-Core

moves £m £m

723) (262)

164) (161)

887) (423)

867 56

020) (367)

838 501

54 4 2 27

894 532 (45) 52

171) 217 467) 143

£bn £bn

87.8) (4.3)

49.8) 10.9 34.5) (4.3)

89.2) (2.5)

om PCB and Barcla

ntrepreneurs & B

Head Office

moves

Barcla(excl

noi

£m - -

-

-

- 6- (3

- -

- (3- - 2-

£bn

-

6.8 -

(0.5)

aycard.

Business Banking

ays UK luding otable items)

Notaite

£m 5,973 1,370 7,343

(706)

6,637 3,760) 2

(77) (80) (2,4

3,917) (2,1-

2,720 (2,11,961 (2,0

£bn £

166.1

202.5 176.8

69.5

g is shown on

able ems

2015 asRestated

£m £m- 5,973 - 1,370 - 7,343

- (706)

- 6,637 296 (3,464)

- (77)31) (2,511)35) (6,052)

- - 35) 585 08) (47)

£bn £bn

- 166.1

- 202.5 - 176.8 - 69.5

(0.3%) 9.3 82% 42 94%

£m (2,431)

296

21.1%

s d

m

)

) ) ) ) )

n

)

%

%

m )

6

%

Results by


2014 Barc

Income statNet interest incNet fee, commTotal income Credit impairmprovisions Net operating Operating expeUK bank levy Litigation and cTotal operatingOther net incomProfit before taAttributable pr

Balance sheLoans and advaamortised costTotal assets Customer depoRisk weighted a


Notable itemProvisions for U


1 Refer to pag

y Business

C – 2015 & 2014 Document

clays UK


ment charges and

income enses

conduct g expenses me ax ofit

eet informatiances to customt

osits assets

ce measures


ms UK customer red


ge 11 for a breakdo

4 Results

(Prmation

r income

d other

ion

mers at

uity

uity (£bn)

dress

excluding nuity

own of moves to B

PCB

Published) Barc(Pub

£m

6,298

2,530

8,828

(482)

8,346 (5,351)

(70) (54)

(5,475)

14

2,885 2,058

£bn

217.0

285.0

299.2

120.2

15.8%

13.1 62%

21

otable items

arclays Corporate

8

laycard blished)

MoBa

CorpoInterna

£m 3,044 (1,312 (4,356 (

(1,183)

3,173 (4(1,845)

(29) -

(1,874) 40

1,339 (938 (

£bn

36.6

41.3 (7.3 (

39.9

19.9% 4.7

43% 308

s

& International fro

oves to arclays orate & ational1

Non-Comov

£m £(3,254) (24(1,944) (305,198) (550

694 7

4,504) (4802,610 47

38 11

2,659 48(54)

1,899) (1,292)

£bn £b

(83.2) (5.

(142.5) 8.(130.7) (7.

(86.7) (4.

om PCB and Barcla

ore es

Head Office

moves

Ba(e

m £m 9) - 1) - 0) -

70 -

0) - 78 -

2 - 2 -

82 - - -

2 - 3 -

bn £bn

1) -

.1 6.1 5) - 1) -

aycard.

rclays UK excluding

notable items)

Noi

£m 5,839 1,597 7,436

(901)

6,535 (4,108)

(59) (41) (1,

(4,208) (1,-

2,327 (1,1,707 (

£bn

165.3

198.0 168.3

69.3

table tems

2014 asRestated

£m £m- 5,839 - 1,597 - 7,436

- (901)

- 6,535 - (4,108)- (59)

,067) (1,108)067) (5,275)

- - 067) 1,260

(855) 852

£bn £bn

- 165.3

- 198.0 - 168.3 - 69.3

9.5% 9.1 71% 53 98%

£m (1,067)

18.9%

s d

m

)

) ) ) )

n

%

%

%

m )

%

Results by


Analysis o

Analysis of totPersonal BankiBarclaycard CoWealth, EntrepTotal income Analysis of crePersonal BankiBarclaycard CoWealth, EntrepTotal credit im

Analysis of loaPersonal BankiBarclaycard CoWealth, EntrepTotal loans and Analysis of cusPersonal BankiBarclaycard CoWealth, EntrepTotal custome

y Business

C – 2015 & 2014 Document

of Barclays

tal income ng

onsumer UK reneurs & Busin

edit impairmentng


mpairment charg

ans and advanceng

onsumer UK reneurs & Busind advances to c

stomer depositsng

onsumer UK reneurs & Businr deposits

4 Results

s UK

ness Banking

t charges and ot

ness Banking ges and other p

es to customers

ness Banking customers at am

s

ness Banking

ther provisions

rovisions

s at amortised c

mortised cost

9

cost

Year en31.12

3,2,1,7,3

(1(4

(7

A31.12

1311

16

13

417

nded

2.15 £m

714

065

564

343

194)

488)

(24)

706)

As at

2.15

£bn

34.0

16.2 15.9

66.1

31.0

- 45.8

76.8

Year ended31.12.14

£m3,788 2,078 1,570 7,436

(211)(592)

(98)(901)

As at31.12.14

£bn133.8

15.8 15.7

165.3

124.5 -

43.8 168.3

d 4

m

) ) ) )

t

4

n

Results by


2015 Barc Analysis of Barpage 12.

Income statNet interest incNet trading incNet fee, commTotal income Credit impairmprovisions Net operating Operating expeUK bank levy Litigation and cTotal operatingOther net incomProfit before taAttributable pr

Balance sheLoans and advaat amortised coTrading portfoDerivative finanDerivative finanReverse repurcsimilar securedFinancial assetTotal assets Customer depoRisk weighted a


Notable itemGains on US LeProvisions for UProvisions for olitigation includGain on valuatidefined retirem


1 As at 31 Dec

collateral of advances to

2 As at 31 Dec

y Business

C – 2015 & 2014 Document

clays Corp

rclays Corporate

tement inforcome ome ission and other

ment charges and

income enses


eet informatiances to banks aost1 lio assets ncial assets ncial liabilities chase agreementd lending s designated at

osits2 assets

ce measures


ms ehman acquisitioUK customer redongoing investigding Foreign Excion of a compon

ment benefit liab


cember 2015 loanf £24.8bn), and £2 banks and customcember 2015 custo

4 Results

orate & Int

e & International

rmation

r income

d other

ion

and customers

ts and other

fair value

uity

uity (£bn)

on assets dress gations and change nent of the ility

excluding nuity

ns and advances in21.5bn of loans anmers in respect of Comer deposits incl

ternationa

between Corpo

Investment Bank

(Published)

M

£m

588

3,859

3,125

7,572 3

(55)

7,517 3(5,596) (

(203) (107)

(5,906) (1-

1,611 804

£bn

92.2

65.1 114.3

122.2

25.5

48.1 375.9

51.3 108.3

6.0%

13.9 78%

otable items

ncluded £162.6bn nd advances to baConsumer, Cards &luded settlement b

10

l

orate and Investm

Moves from PCB

Mofr

Barclayc£m

2,150 1,516

1,029 1,13,195 2,6

(159) (7

3,036 1,91,513) (1,3

(38) ((2)

1,553) (1,312

1,495 61,054 4

£bn £

69.0 23

- 0.3

-

-

- 120.6 29124.3 167.3 2

s

of loans and advaanks (including set& Payments were £balances of £16.3b

ment Bank, and

oves rom card

Non-Core moves

£m £m 573 13

(5) (88) 24 (118)

692 (193)

08) -

984 (193) 25) 278

(16) 4 - 1

41) 283 33 1

676 91 413 75

£bn £bn

3.0 (0.3)

- (3.2) - (3.1) - (3.2)

- (0.8)

- (1.3) 9.1 (25.3) 0.2 (0.2)

1.9 (2.9)

ances to customersttlement balances£32.1bn.

bn and cash collate

Consumer, Card

Head Office

moves

BarCorpor

Internat(exclu

noit

£m - 4- 3

(15) 5(15) 13

- (

(15) 12(6) (8

- (- (

(6) (8,(1)

(22) 3(26) 2

£bn

0.2 1

- - 1- 1

-

- 31.9 5

- 10.2 1

rs (including settlem of £1.6bn and ca

eral of £15.9bn.

ds & Payments i

rclays ate & tional uding otable tems)

Notabitem

£m £4,324 3,782 5,145 49

,251 49

(922)

2,329 49,162) 13(253) (108) (1,20,523) (1,06

45 ,851 (57

2,320 (56

£bn £

84.1

61.9 11.5 19.0

24.7

46.8 532.2

85.6

94.8

ment balances of ash collateral of £5

s shown on

ble ms

2015 asRestated

£m £m- 4,324 - 3,782

96 5,641 96 13,747

- (922)

96 12,825 33 (8,029)

- (253)02) (1,310)69) (9,592)

- 45 73) 3,278 62) 1,758

bn £bn

- 184.1

- 61.9 - 111.5 - 119.0

- 24.7

- 46.8 - 532.2 - 185.6 - 194.8

7.2% 24.9 70% 49 88%

£m 496 (218)

(984)

133

9.5%

£18.5bn and cash5.7bn). Loans and

s d

m

)

) ) ) )

n

%

%

%

m

)

)

%

h d

Results by


2014 Barc

Income statNet interest incNet trading incNet fee, commTotal income Credit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net incomProfit before taAttributable pr

Balance sheLoans and advaamortised costTrading portfoDerivative finanDerivative finanReverse repurcsimilar securedFinancial assetTotal assets Customer depoRisk weighted a


Notable itemGains on US LeProvisions for UProvisions for olitigation includ


1 As at 31 De

collateral oadvances t

2 As at 31 De

y Business

C – 2015 & 2014 Document

clays Corp


ment charges andincome enses


eet informatiances to banks at1 lio assets ncial assets ncial liabilities chase agreementd lending s designated at

osits2 assets

ce measures


ms ehman acquisitioUK customer redongoing investigding Foreign Exc


ecember 2014 loaof £32.2bn), and £to banks and custoecember 2014 cus

4 Results

orate & Int

rmation

r income

d other provision

ion

and customers a

ts and other

fair value

uity

uity (£bn)

on assets dress gations and change

excluding nuity

ns and advances i£24.3bn of loans aomers in respect ofstomer deposits inc

ternationa

Investment Bank

(Published) £m

647

3,735

3,206

7,588 ns 14

7,602 (5,878)

(218) (129)

(6,225)

-

1,377 397

£bn

at 106.3

94.8 152.6

160.6

64.3

8.9 455.7

57.8 122.4

2.8%

14.6 82%

otable items

included £169.3bnnd advances to baf Consumer, Cardscluded settlement

11

l

Moves

from PCB Ba £m 2,158 4 935 3,097 (170) 2,927 (1,476) (25) (11) (1,512) 11 1,426 1,000

£bn

67.9

- 0.3 -

-

- 117.5 123.4 67.1

s

n of loans and advaanks (including ses & Payments were balances of £25.1

Moves from

rclaycard

NC

mo£m

1,096 (- (2

1,005 (12,101 (3(524)

1,577 (3(1,134) 3

(13) -

(1,147) 343

473 292

£bn £

19.9 (0

- (7- (3- (3

- (

- (325.0 (3

7.3 (019.6 (7

ances to customerettlement balancese £29.7bn. 1bn and cash colla

Non-Core oves

Head Office

moves

CoInte

(

£m £m

(27) - 206) -

06) - 339) -

1 - 338) - 315 3

8 - 26 (1)

349 2 2 (4)

13 (2) 47 (2)

£bn £bn

0.5) -

7.5) - 3.3) - 3.3) -

1.4) -

3.2) - 1.6) 29.9 0.3) - 7.9) 0.5

rs (including settles of £2.7bn and ca

teral of £24.5bn.

Barclays orporate & ernational excluding

notable items)

Notaite

£m

3,874 3,533 5,040 4

12,447 4(679)

11,768 4(8,170)

(248) (115) (1,2

(8,533) (1,252

3,287 (71,734 (8

£bn £

193.6

87.3 149.6 157.3

62.9

5.7 596.5 188.2

201.7

ement balances of ash collateral of £6

able ems

2014 asRestated

£m £m

- 3,874 - 3,533

461 5,501 461 12,908

- (679)461 12,229

- (8,170)- (248)

18) (1,333)18) (9,751)

- 52 57) 2,530 08) 926

£bn £bn

- 193.6

- 87.3 - 149.6 - 157.3

- 62.9

- 5.7 - 596.5 - 188.2 - 201.7

3.8% 25.0 76% 35 90%

£m 461 32

(1,250)

7.0%

£25.6bn and cash6.7bn). Loans and

s d

m

) ) ) ) )

n

%

%

%

m

)

%

h d

Results by


Analysis o

Corporate Income statAnalysis of totCredit

Equities Macro Markets Banking fees Corporate lendTransactional bBanking Other1 Total income Credit impairmTotal operatingProfit before ta

PerformancReturn on averAverage allocat


ConsumerIncome statTotal income Credit impairmTotal operatingProfit before ta

Balance sheLoans and advaCustomer depo



1 Other inclu

y Business

C – 2015 & 2014 Document

of Barclays

and Investmtement infortal income

ding banking

ment charges andg expenses ax

ce measures

rage tangible equted tangible equ


, Cards & Patement infor


eet informatiances to banks aosits

ce measures

rage tangible equ


udes gains on US L

4 Results

s Corporate

ment Bank

rmation

d other provision

uity

uity (£bn)

excluding nuity

ayments

rmation

d other provision

ion and customers a

uity

excluding nuity

ehman acquisition

e & Interna

ns

otable items

ns

at amortised cos

otable items

n assets of £496m

12

ational

s

st

s

(2014: £461m).

Year ende31.12.1

£

821,912,104,842,081,361,665,11

4910,45

(19(7,922,32

5.421.

8.2

Year ende31.12.1

£3,29(72

(1,6695

As at 31.12.1£b

32.41.

20.2

18.9

ed

15 m

24

2

08

44 87

61

63

1 95

50 9)

9)

22

%

.9

%

ed

15 m

97 3)

3)

56

15

bn

.1

.8

%

%

Year ended31.12.14

£m

792 1,956 1,950 4,698 2,115 1,268 1,594 4,977

476 10,151

(87)(8,279)1,787

1.9%22.0

5.6%

Year ended31.12.14

£m2,757 (592)

(1,472)743

As at 31.12.14£bn

29.7 37.9

17.8%

17.8%

d 4

m

) )

%

%

d 4

m ) )

4 n

%

%

Results by


2015 Hea

Income statNet operating (Operating expeUK bank levy Litigation and cTotal operatingOther net incomLoss before taxAttributable (lo Balance sheTotal assets Risk weighted a

Notable itemOwn credit Provisions for oincluding ForeiLosses on sale Italian business

2014 Hea

Income statNet operating iOperating expeUK bank levy Litigation and cTotal operatingOther net (expeProfit before taAttributable pr Balance sheTotal assets Risk weighted a

Notable itemOwn credit Losses on sale

y Business

C – 2015 & 2014 Document

ad Office

tement infor(expenses)/ incoenses

conduct g expenses me/(expenses) x

oss)/profit

eet informati

assets

ms

ongoing investiggn Exchange relating to the Sses

ad Office

tement inforncome

enses

conduct g expenses enses)/income ax ofit

eet informati

assets

ms

relating to the S

4 Results

rmation ome

ion

gations and litiga

Spanish, Portugu

rmation

ion

Spanish business

He(P

ation

uese and

He(P

s

13

ead Office Published)

s

£m

(107)

(278)

(8) (14)

(300)

5

(402)

(202)

£bn

56.4 7.7

ead Office Published)

s

£m

242

(67)

(9) (66)

(142)

(3)

97 112

£bn

49.1 5.6

Group tructure

moves

Head O(excl

noit

£m 15

6 - - 6 1

22 (26 (

£bn (44.9)

0.3

Group tructure

moves

Head O(excl

noit

£m

- (3)

- 1

(2) 4 2 2

£bn (41.8)

(0.5)

Office uding otable tems)

Notaite

£m (92) 4

(272) (8)

(14) ((294) (

6 (1(380) 2(176)

£bn £11.5

8.0

Office uding otable tems)

Notaite

£m

242 (70)

(9) (65)

(144) 1 3

99 3114 2

£bn £7.3 5.1

able ems

Discontinuoperatio

BarclaAfri

£m £430

- -

(52) (52) 12) 266 187

£bn £- 47- 31

able ems

Discontinuoperatio

BarclaAfri

£m £

34 - - - -

315 349 260

£bn £- 53- 36

ed on: ays ica

2015 asRestated

£m £m- 338 - (272)- (8)- (66)- (346)- (106)- (114)- 11

bn £bn7.9 59.4

.7 39.7

£m 430

(52)

(112)

ed on: ays ica

2014 asRestated

£m £m

- 276 - (70)- (9)- (65)- (144)- 316 - 448 - 374

bn £bn.7 61.0

6.7 41.8

£m 34 315

s d

m ) ) ) ) ) )

n

m 0

)

)

s d

m

) ) ) )

4

n

m 4 5

Results by


2015 Barc

Income statNet interest incNet trading incNet fee, commTotal income Net claims andcontracts Total income nCredit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net expeLoss before taxAttributable los

Balance sheLoans and advaamortised costDerivative finanDerivative finanReverse repurclending Financial assetTotal assets Customer depoRisk weighted a

PerformancAverage allocatPeriod end allo

Notable itemProvisions for UProvisions for oincluding ForeiImpairment of businesses beinLosses on sale Italian business

Analysis of totBusinesses Securities and Derivatives Total income n

1 As at 31 Dec

collateral of 2 As at 31 Dec

y Business

C – 2015 & 2014 Document

clays Non-


d benefits incurre

net of insurancement charges and

(expenses)/incenses

conduct g expenses

enses x ss

eet informatiances to banks at1 ncial instrumentncial instrumentchase agreement

s designated at

osits2 assets

ce measures

ted tangible equocated tangible e

ms UK customer redongoing investiggn Exchange goodwill and otng disposed relating to the Sses

tal income net o

loans

net of insurance

cember 2015 loansf £19.0bn), and £1cember 2015 custo

4 Results

Core

rmation

r income

ed under insuran

e claims d other provisioncome

ion

and customers a

t assets t liabilities ts and other sim

fair value

uity (£bn) equity (£bn)

dress gations and litiga

ther assets relati

Spanish, Portugu

of insurance cla

e claims

s and advances in1.4bn of loans andomer deposits incl

(P

nce

ns

at

milar secured

ation

ing to

uese and

ims

cluded £40.4bn ofd advances to bankluded settlement b

14

Barclays Non-Core

Published) N

£m

249

(805)

765

209

(373)

(164)

(78)

(242)

(973)

(78) (148)

(1,199)

(18)

(1,459)

(1,523)

£bn

45.9

210.3

198.7

2.4

20.1 303.1

14.9 46.6

8.9 7.2

£m

613

(481)

(296)

(164)

f loans and advancks (including settlebalances of £0.2bn

on-Core moves

Head m

£m 366

99 310 775

1

776 (56) 720

(886) (10) (28)

(924) (52)

(256) (188)

£bn

5.9

3.4 3.4

0.7

1.3 16.4

6.0 7.7

£m 526 131 119 776

ces to customers (ement balances of n and cash collater

Office moves

BarcNon-C

(excludnot

ite£m

- 6- (7- 1,0- 9

- (3

- 6- (1- 4- (1,8- - (1- (2,1- - (1,7- (1,7

£bn

- 5

- 21- 20

-

- 26.3 32

- 2- 5

£m - 1,- (3- (1- 6

(including settlemef £nil and cash collral of £12.3bn.

clays Core ding able

ems) Notab

item£m £

615 706) 075 984

372)

612 134) 478 859) (9(88) 176) (32123) (42(70) (46

715) (88711) (70

£bn £b

51.8

13.7 02.1

3.1

21.4 25.8 20.9 54.3

£m £139 350) 177) 612

ent balances of £0.lateral of £10.1bn)

ble ms

2015 asRestated

£m £m- 615 - (706)- 1,075 - 984

- (372)

- 612 - (134)- 478

99) (1,958)- (88)

24) (500)3) (2,546)

65) (535)8) (2,603)

07) (2,418)

bn £bn

- 51.8

- 213.7 - 202.1

- 3.1

- 21.4 - 325.8 - 20.9 - 54.3

10.9 8.5

£m (123)

(201)

(96)

(468)

£m £m- 1,139 - (350)- (177)- 612

.3bn and cash ).

s d

m )

)

) ) ) ) ) ) ) )

n

m )

)

)

)

m ) )

Results by


2014 Barc

Income statNet interest incNet trading incNet fee, commTotal income Net claims andcontracts Total income nCredit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net expeLoss before taxAttributable los Balance sheLoans and advaamortised costDerivative finanDerivative finanReverse repurcsecured lendingFinancial assetTotal assets Customer depoRisk weighted a

PerformancAverage allocatPeriod end allo

Notable itemRevision of ESHProvisions for ULosses on sale

Analysis of totBusinesses Securities and Derivatives Total income n

1 As at 31 Dec

collateral of 2 As at 31 Dec

y Business

C – 2015 & 2014 Document

clays Non-


d benefits incurre


income enses

conduct g expenses

enses x ss

eet informatiances to banks at1 ncial instrumentncial instrumentchase agreementg s designated at

osits2 assets

ce measures

ted tangible equocated tangible e

ms HLA valuation mUK customer red relating to the S

tal income net o

loans

net of insurance

cember 2015 loansf £22.1bn), and £1cember 2014 custo

4 Results

Core

rmation

r income

ed under insuran

e claims d other provision

ion

and customers a


fair value


methodology dress Spanish business

of insurance cla

claims

s and advances in1.4bn of loans andomer deposits incl

BNo

(Pub

nce

ns

at

milar

s

ims

cluded £40.5bn ofd advances to bankluded settlement b

15

Barclays on-Core blished)

Nonm

£m

214

120

1,026

1,360

(310)

1,050 (168)

882 (1,722)

(91) (198)

(2,011)

(51)

(1,180)

(1,085)

£bn

63.9

285.4

277.1

49.3

22.2 471.5

21.6 75.3

13.2 11.0

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1,101

117

(168)

1,050

f loans and advancks (including settlebalances of £1.1bn

n-Core moves

Head Om

£m 376

(710) 1,361 1,027

1

1,028 (73) 955

(889) (11) (28)

(928) (1) 26

(24)

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3.5 3.5

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ces to customers (ement balances of n and cash collater

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item£m

- 5- (59- 2,3- 2,3

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ays ore ing

able ms)

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2014 asRestated

m £m- 590 - (590)

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bn £bn

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m )

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Discontin Under IFRS 5 requirementspresented as interests in re

Income statNet interest incNet fee, commTotal income Net claims andTotal income nCredit impairmNet operating Operating expeUK bank levy Total operatingOther net incomProfit before taProfit after tax Attributable pr

Balance sheLoans and advaTotal assets Customer depoRisk weighted a


y Business

C – 2015 & 2014 Document

ued Opera

Non-Current As for recognitio two lines on tespect of disco


d benefits incurrenet of insurance


g expenses me ax ofit

eet informatiances to custom

osits assets

ce measures


4 Results

ation: 2015

Assets Held foon as a disconthe face of the

ontinued opera

rmation

r income

ed under insurane claims d other provision

ion

mers at amortise

uity

uity (£bn)

5 Barclays

or Sale and Distinued operati Group incomeations.

nce contracts

ns

ed cost

16

Africa

continued Opon. As such the statement, re

erations, the Bhe Barclays Afrepresenting th

Africa Banking(Published

£m2,0661,6683,734(160

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re moves 20£m

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- (52) (31) (30)

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ets the have been ontrolling

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100%

d m

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%

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Results by


Discontin

Income statNet interest incNet fee, commTotal income Net claims andTotal income nCredit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net incomProfit before taProfit after tax Attributable pr



y Business

C – 2015 & 2014 Document

ued Opera


d benefits incurrenet of insurance




osits assets

ce measures


4 Results

ation: 2014

rmation

r income

ed under insurane claims d other provision

ion

mers at amortise

uity

uity (£bn)

4 Barclays

nce contracts

ns

ed cost

17

Africa

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2,01,73,8(1

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3,3(2,2

(

(2,3

963

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6

king hed) Non-Co

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093

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315 295)

(45) (2)

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11

984 681

360

£bn

35.2 55.5 35.0 38.5

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2.8 64%

93

ore moves 20£m

(99) (39)

(138) -

(138) 2

(136) 96

1 -

97 (1)

(40) (27) (26)

£bn (0.6) (1.8) (1.4) (1.8)

014 as Restated£m

1,994 1,702 3,696 (170)

3,526 (347)

3,179 (2,199)

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(2,245)10

944 654 334

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103%

d m

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n

%

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Barclays R


Barclays G

Income statTotal income nCredit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net (expe(Loss)/profit bTax (charge)/c(Loss)/profit aoperations Profit after tax operation AttributableOrdinary equityOther equity hoNon-controlling

Balance sheTotal assets Risk weighted aLeverage expos

PerformancReturn on averAverage tangibCost: income raLoan loss rate (Basic (loss)/ea

Notable itemGains on US LeOwn credit Revision of ESHProvisions for UProvisions for olitigation includGain on valuatiretirement benImpairment of to businesses bLosses on sale and Italian bus

PerformancReturn on averBasic (loss)/ea

Results by

C – 2015 & 2014 Document

Group

tement infornet of insurance


conduct g expenses enses)/income

before tax credit after tax in resp

in respect of dis

e to:

y holders of the olders g interests

eet informati

assets sure

ce measures

rage tangible shable shareholdersatio (bps)

arnings per share

ms

ehman acquisitio

HLA valuation mUK customer redongoing investigding Foreign Excion of a componefit liability goodwill and otbeing disposed relating to the Sinesses

ce measures rage tangible shaarnings per share

Quarter

4 Results

rmation claims d other provision

ect of continuin

scontinued

parent

ion

areholders' equits' equity (£bn)

e

on assets

methodology dress gations and change nent of the defin

ther assets relati

Spanish, Portugu

excluding nareholders' equite

Q415

£m 4,448

ns (554)

3,894 (3,547)

(426) (1,722)

(5,695)

(274)

(2,075)

(164)

ng (2,239)

101

(2,422)

107

177

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1,120.0

358.4

1,027.8

ty (20.1%)

47.8

128%

53 (14.4p)

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- (175)

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(167)

ned -

ing (96)

uese (261)

otable itemsty (1.9%)

(1.3p)

18

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486 1

167

417 1 79 157

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(270)

-

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(201)

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6.7% 4.8p

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6,461 5,650(393) (386

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1,221 529

162 196

1,146 46579 80

158 180

£bn £bn196.7 1,416.4376.7 395.9139.3 1,254.7

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35 327.0p 2.9p

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7 (1,683) ) 134

9 (1,549)

6 168

5 (1,679) 0 80 0 218

n £bn 4 1,357.9 9 401.9 7 1,233.4

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) (750)

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) (82)

% 1.7%p 1.3p

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(507) (

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171

379 80

161

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412.9 41,323.9 1,3

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39 2.4p

£m

461 44

- (10) (

(500)

-

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(364)

7.1% 5.2p

Q214 Q114£m £m

5,756 5,923 (439) (452),317 5,471 ,762) (3,848)

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(48) 21 461 1,579

(215) (533)

246 1,046

145 169

161 965 41 49

189 201

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n

% 4

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Barclays R


Barclays C

Income statTotal income nCredit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net (expe(Loss)/profit bAttributable (lo Balance sheTotal assets Risk weighted a

PerformancReturn on averAverage tangibCost: income raLoan loss rate (Basic (loss)/ea

Notable itemGains on US LeOwn credit Provisions for UProvisions for olitigation includGain on valuatiretirement benLosses on sale and Italian bus

PerformancReturn on averBasic earnings

Results by

C – 2015 & 2014 Document

Core




before tax oss)/profit

eet informati

assets

ce measures

rage tangible equble equity (£bn) atio (bps)

arnings per share

ms

ehman acquisitio

UK customer redongoing investigding Foreign Excion of a componefit liability relating to the Sinesses

ce measures rage tangible equ per share contr

Quarter

4 Results

rmation

claims d other provision

ion

uity

e

on assets

dress gations and change nent of the defin

Spanish, Portugu

excluding nuity

ibution

Q41£m

4,516ns (522

3,994(2,992

(338(1,634(4,964

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(1,240

£b794.2304.1

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ned

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otable items6.3%3.6

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m £m - -

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% 11.3% p 6.4p

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£bn £830.5 91308.1 31

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115 Q4£m £

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5,216 5,245 (342) (364)

4,874 4,881 3,097) (3,175)

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850 1,678 419 1,033

£bn £bn816.5 836.8 309.0 315.5

5.5% 14.5%30.7 28.778% 61%

37 46 2.6p 6.4p

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Barclays N

Income statBusinesses Securities and Derivatives Total income nCredit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net (expeLoss before taxAttributable los Balance sheLoans and advaamortised costDerivative finanDerivative finanReverse repurcsecured lendingFinancial assetTotal assets Customer depoRisk weighted a

PerformancAverage allocatPeriod end alloLoan loss rate (Basic loss per s

Notable itemOwn credit

Revision of ESHProvisions for UProvisions for oincluding ForeiImpairment of to businesses bLosses on sale and Italian bus

PerformancBasic loss per s

Results by

C – 2015 & 2014 Document

Non-Core

tement infor

loans


(expenses)/incenses

conduct g expenses enses)/income x ss

eet informatiances to banks at ncial instrumentncial instrumentchase agreementg s designated at

osits assets

ce measures

ted tangible equocated tangible e(bps) share contributio

ms

HLA valuation mUK customer redongoing investiggn Exchange goodwill and otbeing disposed relating to the Siness

ce measures share contributio

Quarter

4 Results

rmation

e claims d other provisioncome

ion

and customers a


fair value


on

methodology dress gations and litiga

ther assets relati

Spanish, Portugu

excluding non

Q41£

22(19(10(68

ns (3(100(55

(8(8

(732(26

(1,100(1,20

£bat

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213.202.

milar 3.

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20.54.

982

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- - - -

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6) -

6) (201)

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60.4 73.1

223.9 305.6216.7 299.6

16.7 43.7

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6 288.96 280.6

7 50.7

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376 387 172 256

(8) 36 540 679 (98) (88)442 591

(666) (673)- -

(93) (23)(759) (696)

(72) 6 (389) (99)(333) (160)

£bn £bn

83.6 90.5

229.7 234.5 217.8 223.7

87.8 99.5

24.9 24.4 498.4 525.2

41.1 48.1 102.0 120.8

16.0 17.714.9 17.4

48 28 (2.0p) (1.0p)

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(56) -

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4 m

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n

7 4 )

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Barclays R


Barclays U

Income statTotal income Credit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net incom(Loss)/profit bAttributable (lo

Balance sheLoans and advacost Total assets Customer depoRisk weighted a

PerformancReturn on averAverage allocatCost: income raLoan loss rate (

Notable itemProvisions for UGain on valuatiretirement ben


Results by

C – 2015 & 2014 Document

UK

tement infor


conduct g expenses me/(expenses) before tax oss)/profit


osits assets

ce measures

rage tangible equted tangible equatio (bps)

ms

UK customer redion of a componefit liability


Quarter

4 Results

rmation

d other provision

ion

mers at amortise

uity

uity (£bn)

dress nent of the defin

excluding nuity

Q415

£m

1,834

ns (219)

1,615

(920)

(77) (1,466)

(2,463)

1

(847)

(1,078)

£bn

ed 166.1

202.5

176.8

69.5

(46.5%)

9.2

134%

51

£m

(1,391)

ned -

otable items 14.8%

21

Q315 £m 1,874 1 (154) 1,720 1 (925) - (76) (1,001) (1 1 720 541

£bn

166.7 1

204.1 2 173.4 1 71.0

23.3% (7 9.3 53% 36

£m (73)

-

s 25.8% 1

Q215 Q115£m £m

1,804 1,831(166) (167

1,638 1,664(970) (649

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1 (3(132) 844(174) 664

£bn £bn

166.1 166.0

202.2 199.6171.6 168.7

71.7 72.3

7.3%) 28.3%9.4 9.4

98% 45%40 40

£m £m

(800) (167

- 296

19.9% 24.0%

5 Q414 m £m

1,882 7) (264) 4 1,618 9) (1,041) - (59)

8) (211) 7) (1,311) 3) (3) 4 304 4 208

n £bn

0 165.3

6 198.0 7 168.3 3 69.3

% 9.3% 4 9.2

% 70% 0 62

m £m

7) (199)

6 -

% 16.2%

Q314 £m

1,898 1 (217) 1,681 1 (1,048) (1 - (32) (1,080) (1 (1) 600 442

£bn

164.3 1

190.9 1 165.9 1 71.3

19.4% (99.2

57% 1 51

£m

(24)

-

21.0% 2

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1,834 1,822 (191) (229)

1,643 1,593 ,000) (1,019)

- - (850) (15),850) (1,034)

1 3 (206) 562 (208) 410

£bn £bn

163.5 162.1

185.6 184.6 166.8 165.7

69.5 69.5

9.1%) 18.3%9.0 9.0

101% 57%46 56

£m £m

(844) -

- -

20.2% 18.3%

4 m

) ) ) )

n

% 0

%

m

%

Barclays R


Analysis oAnalysis of totPersonal BankiBarclaycard CoWealth, EntrepTotal income Analysis of creother provisionPersonal BankiBarclaycard CoWealth, EntrepTotal credit improvisions Analysis of loaat amortised cPersonal BankiBarclaycard CoWealth, EntrepTotal loans andamortised cost Analysis of cusPersonal BankiBarclaycard CoWealth, EntrepTotal custome

Results by

C – 2015 & 2014 Document

of Barclaystal income ng


edit impairmentns

ng


mpairment charg

ans and advanceost

ng onsumer UK reneurs & Busind advances to ct

stomer depositsng

onsumer UK reneurs & Businr deposits

Quarter

4 Results

s UK

ness Banking

t charges and

ness Banking ges and other

es to customers

ness Banking customers at

s

ness Banking

Q415

£m

945

505

384

1,834

(39)

(176)

(4)

(219)

s £bn

134.0

16.2 15.9

166.1

131.0

- 45.8

176.8

22

Q315 Q2

£m £938 9552 5384 3

1,874 1,8

(36) (5(111) (10

(7) (

(154) (16

£bn £134.5 134

15.9 1516.3 15

166.7 166

128.4 126-

45.0 44173.4 171

215 Q115

£m £m 05 927 03 505 96 399 04 1,831

50) (69) 06) (95) 10) (3)

66) (167)

£bn £bn 4.4 134.3 5.8 15.7 5.9 16.0

6.1 166.0

6.7 123.4 - -

4.9 45.3 1.6 168.7

Q414

£m 955 518 409 1,882

(57) (185) (22)

(264)

£bn 133.8 15.8 15.7

165.3

124.5 - 43.8 168.3

Q314 Q

£m 968 530 400

1,898 1,

(57) (139) (

(21)

(217) (

£bn 133.3 13

15.5 115.5 1

164.3 16

122.2 12-

43.7 4165.9 16

Q214 Q114

£m £m935 929 519 511 380 382 834 1,822

(40) (57)129) (138)(22) (34)

191) (229)

£bn £bn32.6 131.5 15.2 15.0 15.7 15.6

63.5 162.1

21.1 120.0 - -

45.7 45.7 66.8 165.7

4

Barclays R


Barclays C

Income statTotal income Credit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net incomProfit/(loss) bAttributable (lo

Balance sheLoans and advaamortised costTrading portfoDerivative finanDerivative finanReverse repurcsecured lendingFinancial assetTotal assets Customer depoRisk weighted a


Notable itemGains on US LeProvisions for UProvisions for olitigation includGain on a compbenefit liability


Results by

C – 2015 & 2014 Document

Corporate

tement infor


conduct g expenses me efore tax

oss)/profit

eet informatiances to banks at lio assets ncial instrumentncial instrumentchase agreementg s designated at

osits assets

ce measures


ms

ehman acquisitioUK customer redongoing investigding Foreign Excponent of the de


Quarter

4 Results

& Internat

rmation

d other provision

ion

and customers a


fair value

uity

uity (£bn)

on assets dress gations and change efined retiremen

excluding nuity

tional

Q415

£m

2,968

ns (303)

2,665 (2,007)

(253) (151)

(2,411)

8

262 (24)

£bn

at 184.1

61.9 111.5

119.0

milar 24.7

46.8 532.2

185.6 194.8

(0.2%)

24.9

81%

65

£m

- -

(145)

nt -

otable items3.5%

23

Q315 £m 3,223 4 (235) 2,988 3 (2,059) (2 - (302) (2,361) (2 9 636 1 422 1

£bn

220.3 2

72.8 133.7 1 142.0 1

68.0

5.6 596.1 5

207.0 1 204.0 1

7.0% 2 24.7 73% 42

£m - (218)

(39)

-

s 9.6% 1

Q215 Q115£m £m

4,102 3,454(206) (178

3,896 3,2762,027) (1,936

- -(12) (845

2,039) (2,78113 15

1,870 5101,376 (16

£bn £bn

210.5 224.7

75.3 92.7116.0 172.8124.8 182.3

57.4 57.1

5.6 5.2566.1 656.2197.7 206.2195.4 202.6

22.5% (0.1%24.7 25.350% 81%

38 32

£m £m496 -

- -

- (800

- 133

13.9% 10.9%

5 Q414m £m4 2,945 ) (217)

6 2,728 ) (2,014)

- (248) ) (786)) (3,048)

5 7 0 (313)) (673)

n £bn

7

193.6

7 87.3 8 149.6 3 157.3

62.9

2 5.7 2 596.5 2 188.2 6 201.7

) (10.4%)3 25.6

% 103%2 44

m £m- - - -

)

(750)

3

-

% 1.9%

Q314 Q£m

3,370 3(176) (

3,194 3(1,943) (2,

- (470)

(2,413) (2,9

790 1449

£bn

206.5 2

91.5 128.7 1134.6 1

81.5

10.9 608.5 5

205.0 1205.9 1

7.4% 924.6 72%

34

£m 461

32

(500)

-

7.8% 9

Q214 Q114£m £m

,367 3,226 (151) (135),216 3,091 ,068) (2,145)

- - (62) (15)

,130) (2,160)24 12

,110 943 594 556

£bn £bn

00.6 213.1

92.8 92.8 01.8 97.2 06.7 104.0

82.1 85.5

10.9 11.5 61.9 588.8 98.0 209.3 98.7 196.7

9.6% 9.0%24.8 24.863% 67%

30 36

£m £m- - - -

- -

- -

9.6% 9.0%

4 m

) ) ) )

n

% 8

%

m

%

Barclays R


Analysis oCorporate Income statAnalysis of totCredit

Equities Macro Markets Banking fees Corporate lendTransactional bBanking Other Total income Credit impairmprovisions Total operatingProfit/(loss) be

PerformancReturn on averAverage allocat


ConsumerIncome statTotal income Credit impairmTotal operatingProfit before ta

Balance sheLoans and advaamortised costCustomer depo



Results by

C – 2015 & 2014 Document

of Barclays and Investmtement infortal income

ding banking

ment (charges)/r

g expenses efore tax

ce measures

rage tangible equted tangible equ


, Cards & Patement infor


eet informatiances to banks at osits

ce measures

rage tangible equ


Quarter

4 Results

s Corporatement Bank

rmation

releases and oth

uity

uity (£bn)

excluding nuity

ayments

rmation

d other provision

ion

and customers a

uity

excluding nuity

e & InternaQ415

£m

195

319

382

896 458 312

415

1,185 16

2,097 er

(83)

(1,962)

52

(2.5%)

21.8

otable items1.8%

£m

871 ns (219)

(449)

210

£bn

at 32.1

41.8

15.3%

otable items15.7%

24

ational

Q315 Q2

£m

191 2416 5487 5

1,094 1,3 501 5 377 3 419 4

1,297 1,3(17) 4

2,374 3,2

(75) (

(1,940) (1,6358 1,6

4.5% 22.21.7 2

s

7.5% 12.

£m 849 8

(160) (1(421) (4278 2

£bn

30.6 2

39.8 3

24.7% 23.

s

24.7% 23.

215 Q115

£m £m

218 220 588 589 582 657 388 1,466 580 548 387 285 416 413 383 1,246 495 1 266 2,713

(42) 1

605) (2,422) 620 292

.3% (2.5%) 1.7 22.3

.6% 10.7%

£m £m 836 741 65) (179)

434) (359) 250 218

£bn £bn

9.6 29.8

8.4 40.1

.4% 17.5%

.4% 11.8%

Q414

£m

117 418 436 971

529 334 404

1,267 (4) 2,234

(26)

(2,614) (408)

(12.8%) 22.5

1.2%

£m 711 (190) (434) 93

£bn

29.7

37.9

6.6%

6.6%

Q314 Q

£m

189 370 472

1,031 1,3 420 6 334 2 420 3

1,174 1,3460

2,665 2,6

(24)

(2,036) (1,7606

6.1% 721.6 2

6.5% 7

£m 705 6

(153) ((377) (3185 2

£bn

28.4 2

37.1 3

17.3% 24

17.3% 24

Q214 Q114

£m £m

221 265 597 571 510 532 328 1,368 658 508 288 312 385 385 331 1,205

20 - 679 2,573

(13) (24)

791) (1,838)876 713

7.7% 7.1%21.9 21.9

7.7% 7.1%

£m £m688 653 138) (111)339) (322)235 230

£bn £bn

27.0 26.4

33.1 33.7

4.4% 23.8%

4.4% 23.8%

4

m

)

)

%

%

m ) )

n

%

%

Barclays R


Head Offi

Income statTotal income Credit impairmprovisions Net operating Operating expeUK bank levy Litigation and cTotal operatingOther net (expe(Loss)/profit bAttributable (lo

Balance sheTotal assets1 Risk weighted a

Notable itemOwn credit Provisions for oincluding ForeiLosses on sale and Italian bus

1 Includes Ba

Results by

C – 2015 & 2014 Document

ce

tement infor

ment releases/(ch

(expenses)/incenses


before tax oss)/profit

eet informati

assets1

ms

ongoing investiggn Exchange relating to the Sinesses

arclays Africa.

Quarter

4 Results

rmation

harges) and oth

come

ion

gations and litiga

Spanish, Portugu

Q4

(2er

(2(

(((

(3(1

53

(1ation

(

uese (

25

415 Q315 £m £m

285) 169

- 1

285) 170 (64) (110)

(8) - (17) (42) (89) (152) (14) 2

388) 20 40) (1)

£bn £bn 59.4 61.8 39.7 41.3

£m £m 75) 195

(23) (29)

(15) -

Q215 Q1£m 312 1

(1)

311 1(64) (3

- (6)

(70) (31 (9

242 180 (2

£bn £62.2 6341.0 43

£m 282 1

-

- (9

115 Q414£m £m142 (36

-

-

142 (3634) (21

- (9(1) (735) (3795) 312 (70

28) 47

£bn £bn3.6 61.03.1 41.8

£m £m28 (62

-

-

97)

-

4 Q314 m £m 6) 100

- -

) 100 ) (10) ) - ) (4) ) (14) 3 314 ) 400 7 226

n £bn 0 68.5 8 41.6

m £m ) 44

- -

- 315

Q214 Q114£m £m15 197

- -

15 197(28) (11)

- -(42) (12)(70) (23)

- (1)(55) 173

33 68

£bn £bn69.0 63.4 40.9 49.3

£m £m(67) 119

- -

- -

4 m 7

7 ) - ) ) ) 3 8

n

m

Barclays R


Barclays A

Income statTotal income nCredit impairmNet operating Operating expeUK bank levy Litigation and cTotal operatingOther net incomProfit before taProfit after tax Attributable pr



Results by

C – 2015 & 2014 Document

Africa





osits assets

ce measures


Quarter

4 Results

rmation claims d other provision

ion

mers at amortise

uity

uity (£bn)

Q4

8ns (

7(5

(

(5

11

ed cost 2423

4

61

26

415 Q315 £m £m

814 822 (93) (66) 721 756 501) (515) (50) -

- - 551) (515)

3 1 173 242 101 168

25 85

£bn £bn 29.2 31.0 47.9 50.2 29.1 30.3 31.7 33.8

.1% 14.0% 2.4 2.4

68% 63% 115 78

Q215 Q1£m

870 9(103) (9767 8

(536) (53- -

(536) (531

232 2161 1

88 1

£bn £33.2 3552.2 5533.1 3334.4 37

13.5% 14.92.6

62% 59115

115 Q414£m £m08 92591) (7917 84639) (585

- (44- (1

39) (6302 2

80 21896 16704 85

£bn £bn5.1 34.65.9 53.73.6 33.67.3 36.7

9% 12.6%2.8 2.79% 68%97 85

4 Q314 m £m 5 895 ) (74)

6 821 ) (557)

4) - ) (1) ) (558)

2 1 8 264 7 171 5 82

n £bn 6 34.0 7 52.9 6 32.1 7 36.2

% 13.0% 17 2.5

% 62% 5 81

Q214 Q114£m £m

860 846 (99) (95)761 751

(534) (523)- - - -

(534) (523)2 5

229 233 147 169

75 92

£bn £bn33.2 34.4 50.8 52.4 32.0 32.7 34.9 34.9

12.0% 15.1%2.5 2.4

62% 62%113 106

4 m

) ) )

n

% 4

%

Performa


Returns a

Profit/(loss) atBarclays UK Barclays CorpoHead Office

Barclays Core Barclays Non-C Barclays Group

Average allocaBarclays UK Barclays CorpoHead Office2

Barclays Core Barclays Non-CBarclays Group

Period end alloBarclays UK Barclays CorpoHead Office2

Barclays Core Barclays Non-CBarclays Group

Return on averBarclays UK Barclays CorpoBarclays Core

Barclays Group

1 Profit for theother equity

2 Based on ris

nce Manag

C – 2015 & 2014 Document

nd equity

ttributable to or

orate & Internatio

Core impact

p (including Bar

ated tangible eq

orate & Internatio

Core

p

ocated tangible

orate & Internatio

Core

p

rage tangible eq

orate & Internatio

p

e period attributaby instruments.

k weighted assets

gement

4 Results

by busines

rdinary equity h

onal

rclays Africa dis

quity

onal

equity

onal

quity

onal

ble to ordinary equi

and capital deduc

ss

holders of the pa

scontinued ope

ity holders of the p

ctions in the Head

27

arent1

ration)

parent includes the

Office plus the res

e tax credit recorde

sidual balance of a

Year en31.12

(1,8

1,7(2,4

(3

Year en31.12

2

314

A31.12

2

3

4

Year en31.12

(

(0

ed in reserves in re

average tangible or

ded

2.15

£m

(33)

800

11

778 405)

324)

ded

2.15

£bn

9.3 24.9

2.6 36.8 10.9 47.7

As at

2.15

£bn

9.0 23.8

5.0 37.8

8.5 46.3

ded

2.15

%

0.3) 7.2 4.8

0.7)

espect of interest p

rdinary shareholde

Year ended31.12.14

£m869949373

2,191(2,645)

(120)

Year ended31.12.14

£bn9.1

25.0(2.7)31.415.647.0

As at31.12.14

£bn9.1

24.70.2

34.013.147.1

Year ended31.12.14

%9.53.87.0

(0.3)

payments on

ers’ equity.

d 4

m 9 9 3

)

)

d 4 n

0 ) 4 6 0

t 4 n

7 2 0

d 4

% 5 8 0

)

barclays plc group reporting changes 2015 & 2014 results

Documents