RBS 2008 Annual Report Download - page 89
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88
Business review continued
RBS Group Annual Report and Accounts 2008
Asset quality by industry and geography (unaudited)
Industry analysis plays an important part in assessing potential concentration risk in 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.
Credit risk assets by industry sector
5% 10% 15% 20% 25% 30%
Personal
Property
Banks and building societies
Financial Intermediaries
Manufacturing
Transport and storage
Public sectors and quasi-government
Technology, media, telecommunications
Wholesale and retail trade
Building
Power, water and waste
Natural resources and nuclear
Tourism and leisure
Business services
Agricultural and fisheries
2007
2008
Note:
(1) Graph data are shown net of provisions, reverse repurchase agreements and issuer risk for 2008 and 2007.
As at 31 December 2008, 26% of credit risk assets (2007 – 27%) related to personal and includes mortgage lending and other smaller loans that are
intrinsically well-diversified. Corporate industry exposure comprised 48% of credit risk assets (2007 – 50%), which are well diversified across a range
of sectors. Banks and financial services account for 21% of credit risk assets (2007 – 19%) and public sector and quasi government credit risk
assets make up the remaining 5% (2007 – 4%).