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Barclays 2002 annual report
1,794K   Full Report


Section 1
279K   Review


Section 2
237K   Corporate Social Responsibility
96K   Directors and officers of Barclays PLC and Barclays Bank PLC
64K   Directors' report
67K   Corporate governance report
111K   Barclays report on remuneration
52K   Accountability and Audit
62K   Presentation of information
217K   Risk management


Section 3
69K   Financial data Barclays PLC
74K   Business description
204K   Financial review
70K   Other information
71K   Auditors' report
494K   Consolidated accounts Barclays PLC
68K   SEC Form 20-F cross reference and other information
106K   Barclays Bank PLC data
63K   US GAAP financial data
84K   Shareholder information
69K   Group senior management and principal offices


Tables within the Annual Report (in excel format)
 
Directors' section
20K   2002 Annual Remuneration
21K   Executive Directors' annual pension accrued assuming retirement at contractual age
19K   Executive Directors: Illustration of change in value of shares owned beneficially, or held under option or award under employee share plans during the year
20K   Executive Directors: Shares provisionally allocated and shares under option under Executive Share Award Scheme (ESAS)
24K   Executive Directors: Shares under option under Incentive Share Option Plan (ISOP)
17K   Executive Directors: Shares under option under Sharesave
19K   Directors: awards under closed Group incentive schemes
21K   Directors: interests in ordinary shares of Barclays PLC


Risk management
Credit risk management
16K   Barclays internal ratings table
18K   Risk tendency by business cluster
Analysis of loans and advances
15K   Summary of loans and advances (a)
14K   Summary of loans and advances (b)
15K   Loans and advances to banks
17K   Maturity analysis of loans and advances to customers
15K   Interest rate sensitivity of loans and advances to customers
16K   Loans and advances to customers in offices in the UK - banking business
19K   Loans and advances to customers in offices in other European Union countries - banking business
19K   Loans and advances to customers in offices in the United States - banking business
17K   Loans and advances to customers in offices in the Rest of the World - banking business
14K   Total loans and advances to customers
17K   Maturity analysis of loans and advances to banks (2002 & 2001)
15K   Interest rate sensitivity of loans and advances to banks
Country risk
18K   Exposure to countries subject to International Monetary Fund liquidity support programmes
16K   Loans and advances to borrowers in currencies other than the local currency of the borrower for countries where this exceeds 1% of total Group assets
Potential credit risk lendings
17K   Non-performing loans
14K   Potential problem loans
Provisions for bad and doubtful debts
15K   Analysis of provision charges for bad and doubtful debts
16K   Analysis of provision balances for bad and doubtful debts
16K   Bad debt provisions charge ratios
15K   Provisions balance ratios
18K   Movements in provisions for bad and doubtful debts
17K   Provisions charge for bad and doubtful debts by industry
18K   Analysis of amounts written off and recovered by industry
14K   Total provision coverage of total non-performing loans
14K   Total provision coverage of total potential credit risk lendings (NPL's and PPL's)
15K   Ratios of general and specific provision balances
Market risk management
16K   Barclays Capital DVaR: summary table for 2002 and 2001
Disclosures about certain trading activities
including non-exchange traded contracts
14K   Movement in fair value of commodity positions
15K   Source of fair value - commodities
14K   Analysis of fair value by counterparty investment grade - commodities
Treasury asset and liability management
16K   The weighted-average receive fixed and pay fixed rates by reset maturity date and nominal amount at 31st December 2002
16K   The weighted-average receive variable and pay variable rates by reset maturity date and nominal amount at 31st December 2002
15K   Contractual cash obligations
16K   Other commercial commitments


Financial Data Barclays PLC
22K   Consolidated profit and loss account summary
17K   Selected financial statistics
18K   Consolidated balance sheet summary
17K   Weighted risk assets and capital ratios and Selected financial statistics


Financial Review
16K   Profit/(loss) before tax summary
16K   Total assets and weighted risk assets
14K   Summary statutory profit and loss account
18K   Further analysis of profit and loss account
Analysis of results by business
16K   Personal Financial Services - Financial performance
16K   Barclays Private Clients - Financial performance
16K   Barclaycard - Financial performance
15K   Business Banking - Financial performance
15K   Barclays Africa - Financial performance
15K   Barclays Capital - Financial performance
15K   Barclays Global Investors - Financial performance
15K   Other operations - Financial performance
15K   Head office functions - Financial performance
Results by nature of income and expense
15K   Net interest income
14K   Prevailing average interest rates
15K   Average interest earning assets and liabilities - banking business
17K   Yields, spreads and margins - banking business
15K   Net fees and commissions
14K   Dealing profits
14K   Other operating income
14K   Administrative expenses - staff costs
17K   Staff numbers
16K   Administrative expenses - other
14K   Depreciation and amortisation
14K   Provisions for bad and doubtful debts
14K   Loss from joint ventures and associated undertakings
14K   (Loss)/profit on disposal/termination of Group undertakings
16K   Tax
Total assets and liabilities
15K   Repo transactions
Average balance sheet
20K   Average balance sheet and net interest income (Assets)
23K   Average balance sheet and net interest income - (Liabilities and Shareholders' funds)
18K   Changes in net interest income - volume and rate analysis - (interest receivable)
22K   Changes in net interest income - volume and rate analysis- (interest payable and Movement in net interest income)
Capital resources
15K   Barclays PLC Group and Barclays Bank PLC Group
14K   Capital adequacy data
20K   Capital resources (Tier 1, Tier 2 and Tier 3)
15K   Capital ratios
Deposits
14K   Deposits
Short-term borrowings
15K   Short-term borrowings
Securities
16K   Book value and valuation of securities
15K   Government securities which exceeded 10% of shareholder's funds
16K   Maturities and weighted average yield of investment debt securities


Consolidated accounts Barclays PLC
21K   Consolidated profit and loss account for the year ended 31st December 2002
15K   Statement of total recognised gains and losses for the year ended 31st December 2002
18K   Consolidated balance sheet as at 31st December 2002 (Assets)
23K   Consolidated balance sheet as at 31st December 2002 (Liabilities, minority and other interests and shareholders' funds and memorandum items)
17K   Consolidated statement of changes in reserves for the year ended 31st December 2002
20K   Consolidated cash flow statement for the year ended 31st December 2002
19K   Parent company accounts


Note 2
14K   Dealing profits


Note 3
15K   Other operating income


Note 4
14K   Administrative expenses - staff costs (a)
14K   long term assurance fund (b)


Note 5
15K   Pensions, post-retirement benefits, and other staff costs - regular costs (a)
14K   Total pension costs of the Group (b)


Note 6 Administrative expenses - other
14K   Property and equipment expenses (a)
18K   Fees paid to Group's Auditors (b)


Note 7
14K   Depreciation and amortisation


Note 8
14K   Provisions for contingent liabilities and commitments


Note 9
14K   (Loss)/profit on disposal/termination of Group undertakings


Note 10 Tax
14K   Charge for the year (a)
19K   Reconciliation of standard tax rate to effective tax rate (b)


Note 12
15K   Dividends - Barclays PLC


Note 13
14K   Earnings per 25p ordinary share - Barclays PLC


Note 14
14K   Treasury bills and other eligible bills


Note 15
16K   Loans and advances to banks


Note 16
17K   Loans and advances to customers (a)
14K   Residual value included in finance lease receivable (b)
15K   Personal mortgage loans subject to non-recourse finance (c)


Note 17
18K   Provisions for bad and doubtful debts


Note 18
19K   Debt securities. Investment securities and Movements in investment securities


Note 19
15K   Equity shares


Note 20
16K   Interests in associated undertakings and joint ventures
18K   Goodwill included in Barclays share of associated assets
16K   Summarised financial information of associated undertakings & joint ventures.


Note 21
18K   Intangible fixed assets


Note 22
18K   Tangible fixed assets


Note 24
14K   Other assets


Note 25 Retail long-term assurance funds
14K   Shareholders' interest in retail long-term assurance funds
10K   Principal economic assumptions used in calculating the value of shareholders' interest in retail long-term assurance funds
9K   Retail life-fund assets attributable to policyholders


Note 26
14K   Prepayments and accrued income


Note 27
15K   Deposits by banks


Note 28
16K   Customer accounts


Note 29
15K   Debt securities in issue


Note 30
16K   Other liabilities


Note 31
14K   Accruals and deferred income


Note 32
14K   Deferred tax


Note 33
15K   Other provisions for liabilities and charges


Note 34
19K   Undated loan capital


Note 35
20K   Dated loan capital


Note 36
15K   Called up share capital


Note 38
17K   Shareholders' funds


Note 41
14K   Assets and liabilities denominated in sterling and foreign currencies


Note 43
14K   Future rental commitments under operating leases
15K   Aggregate rental payments outstanding at 31st December 2002


Note 44
18K   Principal subsidiary undertakings


Note 45
15K   Contingent liabilities and commitments (a)
15K   Unconditional obligations to purchase goods and services (b)


Note 46 Derivatives and other financial instruments
18K   (a) Interest rate repricing - as at 31st December 2002
18K   (b) Interest rate repricing - as at 31st December 2001
16K   (c) Non-trading currency risk
19K   (d) Daily value at risk
22K   (e) Hedging tables
20K   (f) Derivatives held or issued for trading purposes - (2002)
20K   (g) Derivatives held or issued for trading purposes - (2001)
17K   (h) Derivative financial instruments held for the purpose of managing non-trading exposures
17K   (i) Derivative financial instruments held for the purpose of managing non-trading exposures - OTC foreign exchange derivatives.
18K   (j) Maturity of notional principal amounts as at 31st December 2002
19K   (k) Maturity of notional principal amounts as at 31st December 2001
17K   (l) Maturity analyses of replacement cost and counterparty analyses of net replacement cost


Note 47
20K   Fair values of financial instruments - trading (a)
21K   Fair values of financial instruments - non-trading (b)


Note 50
17K   Reconciliation of operating profit to net cash flow from operating activities


Note 51 Sale of Group undertakings during the year
16K   Net cash outflow from formation of FirstCaribbean (a)
15K   Sale of other Group undertakings (b)


Note 52
15K   Changes in financing during the year


Note 53
16K   Analysis of cash balances


Note 54
14K   Analysis of the net outflow of cash in respect of the acquisition of subsidiary undertakings


Note 55
17K   Acquisitions


Note 56
18K   Related party transactions - Pension funds, unit trusts and investment funds.


Note 57
15K   Directors' emoluments and other benefits


Note 59
14K   Contracts with Directors and connected persons and with managers


Note 60
18K   Other entities


Note 61
31K   Segmental analysis


Note 62 Retirement benefits
18K   Financial assumptions used in actuarial valuations
19K   Assets and liabilities of schemes and assumed long-term real rates of return (b)
15K   Surpluses and deficits (c)
15K   Analysis of amounts charged to operating profit (d)
15K   Analysis of amounts included as other finance income (e)
17K   Analysis of amounts included in the statement of total recognised gains and losses (f)
16K   Analysis of movements in pension scheme and post-retirement healthcare surpluses/(deficits) during 2002 (g)


Note 63 Differences between UK GAAP and US GAAP accounting principles
20K   Differences between UK GAAP and US GAAP accounting principles
14K   Differences between UK GAAP and US GAAP accounting principles a) Goodwill
15K   Differences between UK GAAP and US GAAP accounting principles b) Core deposit intangible
17K   Differences between UK GAAP and US GAAP accounting principles c) Pension cost and post-retirement benefits
14K   Effect of 1% point change in assumed healthcare trends rates
22K   Estimated funded status of the pension schemes and post-retirement benefits under US GAAP
16K   Components of net US GAAP deferred tax liability
  Differences between UK GAAP and US GAAP accounting principles
e) Share compensation schemes
26K   (1) Number and weighted average exercise price of options
19K   (2) Range of exercise prices, weighted average fair values at the date of grant
15K   (3) Significant weighted average assumptions
20K   (4) Range, weighted average exercise price, weighted average remaining contractual life and number of options outstanding
16K   (5) Range, weighted average exercise price and number of options exercisable


Note 63 Differences between UK GAAP and US GAAP accounting principles
22K   Earnings per share
16K   Internal use software
15K   Derivatives - adjustment to net income
  Differences between UK GAAP and US GAAP accounting principles
v) guarantees
15K   Maturity analysis of guarantees
  Differences between UK GAAP and US GAAP accounting principles
y) Changes in UK GAAP
16K   Net income and shareholders' funds


Note 64
15K   Consolidated statement of cash flows


Note 65
18K   Regulatory capital requirements


Note 67
16K   Ratio of earnings to fixed charges and preference share dividends


SEC Form 20-F cross reference and other information
18K   Currency of presentation


Consolidated accounts Barclays Bank PLC
21K   Consolidated profit and loss account for the year ended 31st December 2002
15K   Statement of total recognised gains and losses for the year ended 31st December 2002
18K   Consolidated balance sheet as at 31st December 2002 (Assets)
23K   Consolidated balance sheet as at 31st December 2002 (Liabilities)
19K   Consolidated statement of changes in reserves as at 31st December 2002
23K   Consolidated cash flow statement for the year ended 31st December 2002


Notes to the accounts - Barclays Bank PLC
18K   a) Administrative expenses - staff costs
17K   b) Called up share capital
14K   c) Dividends
14K   d) Reconciliation of operation profit to net cash flow from operating activities
15K   e) Changes in financing during the year
18K   f) Segmental analysis
21K   g) Differences between UK and US accounting principles - Barclays Bank PLC


Financial data Barclays Bank PLC
21K   Selected financial statistics and selected profit and loss account data and Selected balance sheet data


US GAAP financial data
20K   Selected financial statistics
16K   Selected financial statement data


Shareholder information - Dividends on the ordinary shares of Barclays PLC
15K   Pence per 25p ordinary share
15K   US Dollars per 25p ordinary share
14K   US Dollars per American Depositary Shares


Shareholder information
16K   Trading market for ordinary shares of Barclays PLC
17K   Shareholdings at 31st December 2002