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Key performance indicators
So far we are tracking favourably
against each of our headline Group targets.
In order to track progress against the Strategic Plan, the Group has announced a range of targets at both a Group and Divisional level, which we report against on a quarterly basis:
Group targets
| Key performance indicator | Worst point | Q311 Actual | 2013 Target |
|---|---|---|---|
| Loan: deposit ratio | 154% | 112% | c100% |
| Short- term wholesale funding | £ 297bn | £141bn | <£ 125bn |
| Liquidity reserves | £ 90bn | £170bn | c£ 150bn |
| Leverage ratio | 28.7x | 17.5x | <20x |
| Core Tier 1 Capital | 4% | 11.3% | Likely >10% |
| Return on Equity | (31%) | Core 8.5% | Under review |
| Cost: income ratio | 97% | Core 62% | <50% medium term |
Notes:
- Loan: deposit ratio net of provisions
- Loan: deposit ratio worst point as at January 2008
- Short-term wholesale funding worst point as at October 2008
- Short term wholesale funding is the amount of unsecured wholesale funding, including bank deposits, under 1 year to maturity, excluding derivatives collateral
- Liquidity reserves defined as eligible assets held for contingent liquidity purposes including cash, government issued securities and other securities eligible with central banks
- Liquidity reserves worst point as at December 2008
- Leverage ratio defined as funded tangible assets divided by Tier 1 Capital
- Leverage ratio worst point as at June 2008
- Group return on tangible equity worst during 2008
- Core ROE is indicative only
- Cost:income ratio is net of insurance claims
- Adjusted cost:income ratio worst during 2008