RBS 2007 Annual Report Download - page 78

RBS Group • Annual Report and Accounts 2007
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Business review continued
Business review
Distribution of credit risk assets by geography
The acquisition of ABN AMRO in October 2007 has also
changed the risk profile of the Group, with benefits arising
from increased diversification available from the Group’s
wider global reach.
The Group operates in over 50 countries, but with the majority
of assets in the UK, North America and Europe.
31.7
18.8
36.1
13.4
39.7
23.5
23.9
12.9
45.2
24.6
21.5
8.7
48.8
25.1
19.7
6.4
0%
20%
40%
60%
80%
100%
Rest of World
Europe
United Kingdom
North America
2006
Excluding
ABN AMRO
2007
Including
ABN AMRO
net of minority
interest
2007
Including
ABN AMRO
2007
0% 10% 20% 30% 40% 50%
2007 including ABN AMRO
2007 including ABN AMRO
net of minority interest
2007 excluding ABN AMRO
2006
Lending to banks, corporates,
sovereigns and quasi government
Debt securities issued by banks,
corporates, sovereigns and quasi government
Lending to individuals
(mortgages)
Lending to individuals
(other)
Off-balance sheet and other
Lending to small business
The Group also monitors its credit portfolio by customer type and product type. Including ABN AMRO net of minority interest, the
largest category is lending to banks, corporates, sovereigns and quasi governments which represented 48% of credit risk assets
as at 31 December 2007 (2006 – 41%).Lending to individuals accounted for 20% (2006 – 26%).
Distribution of credit risk assets by product and customer type