Barclays Plc · LSE:BARC
Barclays — Bank of America Merrill Lynch Financials Conference 2016
14 slides from Barclays's conference presentation, Sep 27, 2016
Slide 1: Barclays UK
Barclays UK Bank of America Merrill Lynch Financials Conference Ashok Vaswani, CEO Barclays UK 27 September 2016
Slide 2: Barclays UK: a unique combination of businesses differentiated by scale and proven digital capability
Barclays UK: a unique combination of businesses differentiated by scale and proven digital capability Key Metrics H1 20161 Unique combination: scale across retail, credit cards, wealth & business banking 3.59% 43 bps NIM LLR 53% 19.4% Deepening relationships: driving increased Cost : income RoTE rat
Slide 3: Transforming customer interactions: Current Accounts
Transforming customer interactions: Current Accounts 5 180 Pingit BMB Cloudit Secure Digital account Video webchat opening Banking 160 Average Balances (indexed to 100) 4 Engaged Customers (m) 140 120 Average Balances 3 +59% Engaged Customers1 100 +93% 80 2 60 1,593 branches 40 1 14,795 FTE 1,362 br
Slide 4: Transforming customer interactions: Consumer Loans
Transforming customer interactions: Consumer Loans £1.1bn unsecured lending originated digitally in H1 2016 1.6 1.4 1.2 Annual cumulative digitally originated lending (£bn) £1bn loans digitally by: June 2016 September 2015 December 2014 1.0 0.8 0.6 0.4 H1 2016 2015 2014 0.2 0.0 Jan Feb Mar Apr May J
Slide 5: Transforming customer interactions: Across our product set
Transforming customer interactions: Across our product set Overdrafts: Digitally SME Loans: Online lending 120 30 2015 £100m digitally 2015 100 25 H1 2016 Drawdowns (£m) 80 H1 2016 Value (£m) 20 60 2014 15 40 10 20 5 0 0 Mar Aug Dec May Sep Jan Nov Apr Oct Jun Feb Jul Jan Feb Mar Apr May Jun Jul Aug
Slide 6: Transforming customer interactions: Taking digital into the physical
Transforming customer interactions: Taking digital into the physical >1k Encrypted video calls each month1 429 Quick service points >200 counter transactions automated 619 every working Assisted service minute counters 53% Current accounts opened digitally2 Branches remain an important part of the b
Slide 7: Automation, digitisation and data: Power of digital
Automation, digitisation and data: Power of digital Digital capability across the bank growing… ... with majority of transactions executed digitally TOTAL # of transactions YTD1 Branch SkyBranch Digital Branch SkyBranch Digital E.g. Funds transfers 94.2m 6% 1% 93% Funds transfers Pay bills / Add new
Slide 8: Automation, digitisation and data: Opportunities in progress with Mortgages and Barclaycard
Automation, digitisation and data: Opportunities in progress with Mortgages and Barclaycard Mortgages: targeting „off-Barclays‟ balances with Barclaycard: targeting existing banking customers and Premier customers leverage digital capabilities Dedicated Barclaycard £315k £57bn Deepening customer rel
Slide 9: Automation, digitisation and data: Growing the fee line
Automation, digitisation and data: Growing the fee line SmartSpend: SmartBusiness: Providing our customers with exclusive offers First big data product from Barclays Launched in 2014 Available from September 2016 to 560k businesses in the UK • Enhancing the value of banking with Barclays • Providing
Slide 10: We're also leading the digital revolution through our colleagues and our communities
We’re also leading the digital revolution through our colleagues and our communities, strengthening our franchise 16,433 Barclays colleagues supporting our mission of creating the most Digital Savvy workforce 5 labs with >22k visitors >31k People registered externally >1.6k Registered Companies 1,05
Slide 11: Consistently prudent risk management
Consistently prudent risk management UK Mortgages – high quality, conservative portfolio UK Cards – seasoned and resilient portfolio • Consistently strong underwriting criteria • History of strong and improving delinquency trends • Limited high loan to value and buy to let lending • Strong UK card C
Slide 12: Our focus on deep customer relationships driving balance sheet growth and sustainable returns
Our focus on deep customer relationships driving balance sheet growth and sustainable returns Stable income profile Prudent balance sheet Structural cost reduction1 • Attractive and stable NIM in Loan loss rate (bps) Cost : income ratio (%) c.350-360 bps range 51 43 56 53 NIM (bps) Total loans & adv
Slide 13: Giving confidence we will continue to deliver sustainable returns
Giving confidence we will continue to deliver sustainable returns Unique combination: scale across retail, credit cards, wealth & business banking Deepening relationships: driving increased engagement with existing customers and clients − Transforming customer interactions − Automation, digitisation
Slide 14: Disclaimer
Disclaimer Important Notice The information, statements and opinions contained in this presentation do not constitute a public offer under any applicable legislation, an offer to sell or solicitation of any offer to buy any securities or financial instruments, or any advice or recommendation with re
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