RBS 2009 Annual Report Download - page 152

Business review continued
RBS Group Annual Report and Accounts 2009150
Balance sheet analysis continued
Credit quality continued
The following tables show 2007 and 2008 based on the old AQ1-5 bands.
Cash and
balances Loans and Loans and Other
at central advances advances to Settlement financial Contingent
banks to banks (1) customers balances Derivatives instruments Commitments liabilities Total
2008 £m £m £m £m £m £m £m £m £m
AQ1 12,400 131,963 310,950 12,612 912,728 691 209,359 19,693 1,610,396
AQ2 — 872 141,849 516 36,528 — 55,109 18,461 253,335
AQ3 — 1,247 187,899 290 30,079 161 48,554 19,502 287,732
AQ4 — 282 150,705 129 5,181 — 23,458 10,977 190,732
AQ5 — 943 59,191 256 8,032 — 25,244 2,904 96,570
Accruing past due — — 15,667 4,029 11 — — — 19,707
Non-accrual — 129 19,350 —————19,479
Impairment provision — (127) (10,889) —————(11,016)
12,400 135,309 874,722 17,832 992,559 852 361,724 71,537 2,466,935
2007
AQ1 17,866 204,083 275,715 14,491 240,114 669 131,750 26,120 910,808
AQ2 — 5,797 174,074 98 23,333 — 89,682 16,314 309,298
AQ3 — 4,937 221,561 344 11,299 — 74,126 11,740 324,007
AQ4 — 407 84,791 21 2,352 — 25,320 4,032 116,923
AQ5 — 1,119 55,273 68 304 143 17,301 3,714 77,922
Accruing past due — — 13,236 1,567 — 65 — — 14,868
Non-accrual — 25 10,337 —————10,362
Impairment provision — (3) (6,449) —————(6,452)
17,866 216,365 828,538 16,589 277,402 877 338,179 61,920 1,757,736
Note:
(1) Excluding items in the course of collection of £2,888 million in 2008 (2007 – £3,095 million).