Personal & Corporate Banking Barclays
Personal & Corporate Banking Barclays
Ashok Vaswani
30 September 2014
Personal and Corporate Banking (PCB)
UK Powerhouse Client Continuum Technology & Innovation Cost Synergies Regulatory Consistency
2 | Barclays Personal and Corporate Banking | 2014
PCB ? Scale, Diversity and Control
Personal & Corporate Banking
38% of `Core' PBT
Investment Bank
H1 14
PBT:
?1.5bn
PBT Growth: 23%
RWAs:
?118bn
RoE:
12.1%
LLR:
21bps
LDR:
73%
Personal Banking
Customers Income Assets Liabilities
16m ?1,564m ?11bn ?142bn
Corporate Banking
Clients Income Assets Liabilities
c. 900k ?1,768m ?65bn ?124bn
Mortgages
Customers Income Assets Avg LTV
1.56m ?482m ?125bn 55%
Wealth
Clients Income Liabilities AUM
36k ?547m ?33bn ?84bn
Barclays Core
Barclaycard
Africa Banking
All figures relate to H1 14 3 | Barclays Personal and Corporate Banking | 2014
? Single largest business unit ? Diversified ? Unique configuration ? International presence
Leverage Existing Capabilities
Business Instant Lending
Barclays Mobile Banking
PingIt
Homeowner App
Instant and automated lending processes
? Pre-approved limits ? 6 taps/clicks and money in
the account
Award winning mobile P2P payment capability
app
now moving to P2B
? Enables account
? Launched in retail, now
management easily and
a core corporate
securely
capability
? Now in wealth
For all retail and wealth customers
? Search (sale & rent) ? View ? Affordability ? Mortgages advice ? Intermediaries
Cost:Income Ratio 21%
3.3m users in 2 years
?405m payments YTD
110k downloads
4 | Barclays Personal and Corporate Banking | 2014
Customer Interaction
Physical Branch
Sky Branch
? High levels of automation for standard transactions on Automated Service Counters (ASCs):
? Currently in 72 branches ? Next phase includes 800
branches
? ASCs also configured to take care of small business and corporate needs:
? Cashless deposits ? QR code based payments
? Ability to do everything the customer wants to do in the physical branch
? Omni-channel capability including WebChat
? Linked to social media
Digital Branch
? One face of the bank for clients and customers
? Complete functionality ? Significant customer take up:
? 6m active online customers ? 3.3m active mobile
customers ? `Barclays On-Line Banking'
and `' for corporate clients ? `Barclays One' for wealth customers
5 | Barclays Personal and Corporate Banking | 2014
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