RBS 2009 Annual Report Download - page 181
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Business review
Risk, capital and liquidity management
179RBS Group Annual Report and Accounts 2009
Asset classes
The following tables detail the balances by asset classes, as defined by the Scheme, with underlying product categories.
Undrawn
Provisions and commitments
Carrying adjustments and other Covered
value (2) to par value (3) Par value (4) adjustments (5) amount
£m £m £m £m £m
2009 (a) (b) (a)+(b)=(c) (d) (c)+(d)=(e)
Residential mortgages 14,092 253 14,345 (140) 14,205
Consumer finance 38,101 4,574 42,675 10,586 53,261
personal loans 7,986 2,610 10,596 2,613 13,209
business and commercial loans 30,115 1,964 32,079 7,973 40,052
Commercial real estate finance 28,777 1,656 30,433 1,704 32,137
Leveraged finance 16,045 4,425 20,470 2,806 23,276
Lease finance 1,229 232 1,461 68 1,529
Project finance 1,601 44 1,645 172 1,817
Structured finance 6,884 7,677 14,561 614 15,175
structured loans 625 17 642 29 671
RMBS 1,251 1,657 2,908 55 2,963
CMBS 1,281 466 1,747 (6) 1,741
CDOs & CLOs 1,568 4,641 6,209 119 6,328
other ABS 2,159 896 3,055 417 3,472
Loans 34,375 3,039 37,414 17,528 54,942
Bonds (6) 545 156 701 (3) 698
Derivatives 12,510 6,834 19,344 14,146 33,490
monoline insurers 2,607 6,335 8,942 10,852 19,794
other counterparties 9,903 499 10,402 3,294 13,696
154,159 28,890 183,049 47,481 230,530
Further analysed:
Loans and advances 134,845 14,240 149,085 32,753 181,838
Debt securities 6,804 7,816 14,620 582 15,202
Derivatives 12,510 6,834 19,344 14,146 33,490
154,159 28,890 183,049 47,481 230,530
By division:
UK Retail 16,599 2,431 19,030 2,212 21,242
UK Corporate 37,710 1,007 38,717 10,510 49,227
Global Banking & Markets 26,141 1,628 27,769 16,248 44,017
Ulster Bank 10,152 486 10,638 1,231 11,869
Non-Core 63,557 23,338 86,895 17,280 104,175
154,159 28,890 183,049 47,481 230,530