RBS 2007 Annual Report Download - page 77
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Business review
75
RBS Group • Annual Report and Accounts 2007
Note: Graph data are shown net of provisions and reverse repurchase agreements.
As at 31 December 2007, including ABN AMRO net of minority interest, 21% of credit risk assets (2006 – 28%) related to individuals
and includes mortgage lending and other smaller loans that are intrinsically well-diversified. Corporate industry exposure comprised
40% of credit risk assets (2006 – 36%), which are well diversified across a range of sectors. Banks and financial services account
for 24% of credit risk assets (2006 – 20%) and public sector and quasi government credit risk assets make up the remaining 15%
(2006 – 16%).
Distribution of credit risk assets by industry sector
Industry analysis plays an important part in assessing potential concentration risk from within the loan portfolio. Particular attention is
given to industry sectors where the Group believes there is a high degree of risk or potential for volatility in the future.
The Group also uses scenario analysis and stress testing in order to monitor the risk to clusters of correlated industry sectors.
Individuals
Public sectors and
quasi government
Financial services
Property
Banks
Transport and storage
Manufacturing
Wholesale and retail trade
Building and construction
Technology, media and
telecommunications
Tourism and leisure
Business services
Power and water
Natural resources
Agriculture and fisheries
5%0% 10% 15% 20% 25% 30%
2007 including ABN AMRO
net of minority interest
2007 excluding ABN AMRO
2007 including ABN AMRO
2006