Barclays Plc · LSE:BARC
Barclays — Investor Presentation (September 2014)
15 slides from Barclays's investor presentation, Sep 30, 2014
Slide 1: Personal & Corporate Banking
Personal & Corporate Banking Barclays Ashok Vaswani 30 September 2014
Slide 2: Personal and Corporate Banking (PCB)
Personal and Corporate Banking (PCB) UK Powerhouse Client Continuum Technology & Innovation Cost Synergies Regulatory Consistency 2 | Barclays Personal and Corporate Banking | 2014
Slide 3: PCB – Scale, Diversity and Control
PCB – Scale, Diversity and Control Personal Banking Mortgages H1 14 Personal & PBT: £1.5bn Customers 16m Customers 1.56m Corporate Banking PBT Growth: 23% Income £1,564m Income £482m Assets £11bn Assets £125bn RWAs: £118bn Liabilities £142bn Avg LTV 55% RoE: 12.1% 38% of ‘Core’ PBT LLR: 21bps Barcla
Slide 4: Leverage Existing Capabilities
Leverage Existing Capabilities Business Instant Barclays Mobile PingIt Homeowner App Lending Banking Instant and automated Award winning mobile P2P payment capability For all retail and wealth lending processes app now moving to P2B customers • Pre-approved limits • Enables account • Launched in ret
Slide 5: Customer Interaction
Customer Interaction Physical Branch Sky Branch Digital Branch • High levels of automation for • Ability to do everything the • One face of the bank for standard transactions on customer wants to do in the clients and customers Automated Service Counters physical branch • Complete functionality (ASC
Slide 6: Operational Efficiencies
Operational Efficiencies Single Product Core Systems Personal Mortgages Wealth Corporate Cash & Trade & Transactional Consumer Savings Mortgages Investments Transaction Working Debt Finance FX Products Loans Banking Capital Current 9 2 4 13 Planned 6 1 3 11 • Industrial strength and scalable • Singl
Slide 7: Differentiated Approach to Digital
Differentiated Approach to Digital It is all about people Features Store • 8,000 staff (40% of all branch) digitally Corporate Clients trained • Digital driving licence accredited by Personal Customer City & Guilds Markets own product in • Coding trained Features Store • Delivering for our customers
Slide 8: Financial Services Partner for the UK Ecosystem
Financial Services Partner for the UK Ecosystem Corporate Personal Personal Customer Best positioned bank in the BestPersonal Customer positioned bank for defined time zone corridor individuals economically vested (UK/ Europe / Africa) in the UK All UK companies British nationals overseas UK company
Slide 9: Growing Faster than the Sector
Growing Faster than the Sector Barclays growth 2-yr Balance H1’14 Sector Share Sector growth2 growth (%) Balance (£bn) (%)1 23% Retail savings 118 10 8% Personal 0% 8%3 Unsecured 6 13 (8%) Mort 18% Mortgages 125 10 2% 22% Business cash 22 21 21% 18% Corporate cash 102 20 Corporate 13% 6% 8 20 Busine
Slide 10: Ongoing Delivery of Positive Jaws
Ongoing Delivery of Positive Jaws Income Costs (ex Bank Levy, CTA) PBT 48% PBT growth 780 (£m) Income CIR 528 67% CIR Positive 57% Jaws Costs (ex. Bank levy, CTA) Q112 Q212 Q312 Q412 Q113 Q213 Q313 Q413 Q114 Q214 Retail Business Corporate Retail Retail Corporate Barclays.Net Retail Instant Skybranch
Slide 11: Controlled Growth
Controlled Growth Customer assets growth Funding £bn 100% 217 LDR 11% asset growth 196 84% 16 11 80% 73% 65 65 60% Q112 Q214 55% Impairment 125 108 34 Steady progress on impairment since Q112 12 11 • LLR declined 47% to 21bp in H114 Q112 Q214 • Impairment declined 42% to £95m in H114 Personal Mortga
Slide 12: PCB H1 14 Financial Results
PCB H1 14 Financial Results Six months ended – June (£m) 2013 2014 ∆% Composition of income Income 4,305 4,361 1% 11% Impairment (299) (230) 23% Total operating expenses (2,846) (2,669) 6% 36% 13% - Costs to achieve Transform (92) (115) (25%) Profit before tax 1,197 1,468 23% 41% Returns Return on a
Slide 13: Brand & Reputation
Brand & Reputation Leading the digital revolution • Voice and Finger Vein Biometrics • Customer / client interaction Ensuring no one is left behind • Digital Eagles / LifeSkills • Inclusivity Being a trusted British bank • 325 year history • Strength and security of UK 13 | Barclays Personal and Cor
Slide 14: Today's Story, Not Tomorrow's Promise
Today’s Story, Not Tomorrow’s Promise Innovative products & UK Powerhouse propositions Innovative products & Great Opportunity propositions Innovative products & Market Leading Innovation propositions Innovative products & Building a Great Franchise propositions 14 | Barclays Personal and Corporate
Slide 15: Legal Disclaimer
Legal Disclaimer Important Notice The information, statements and opinions contained in this document do not constitute a public offer under any applicable legislation or an offer to sell or solicitation of any offer to buy any securities or financial instruments or any advice or recommendation with