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RBS 2009 Annual Report Download - page 207

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Business review

Risk, capital and liquidity management

205RBS Group Annual Report and Accounts 2009

Group exposure to consolidated conduits

CP funded assets

Geographic distribution Credit ratings (S&P equivalent)

Other Weighted Below

UK Europe US RoW Total average AAA AA A BBB BBB

2009 £m £m £m £m £m life years £m £m £m £m £m

Auto loans 476 982 2,621 570 4,649 1.8 2,965 1,547 137 — —

Corporate loans 312 5,213 1,411 865 7,801 1.0 7,584 111 106 — —

Credit card receivables 177 — 3,823 83 4,083 0.8 2,781 759 420 123 —

Trade receivables — 334 438 34 806 0.7 446 266 60 34 —

Student loans 117 — 798 — 915 0.7 798 117 — — —

Consumer loans 733 800 153 — 1,686 1.5 68 50 1,553 15 —

Mortgages:

Prime 138 — — 2,604 2,742 3.1 949 1,746 28 3 16

Non-conforming 599 949 — — 1,548 3.7 1,070 379 99 — —

Sub-prime —————— —————

Commercial 641 194 — 36 871 14.7 25 3 840 — 3

Other 121 670 298 1,176 2,265 2.3 170 249 950 896 —

3,314 9,142 9,542 5,368 27,366 1.9 16,856 5,227 4,193 1,071 19

2008

Auto loans 801 1,706 7,402 398 10,307 1.7 6,075 883 3,349 — —

Corporate loans 1,714 4,347 3,289 2,122 11,472 4.9 10,767 132 573 — —

Credit card receivables 633 — 4,999 212 5,844 0.7 3,465 62 2,171 146 —

Trade receivables 68 922 1,371 384 2,745 0.7 120 1,025 1,600 — —

Student loans 144 — 2,411 — 2,555 0.3 2,296 144 115 — —

Consumer loans 708 1,195 468 — 2,371 1.7 387 993 923 68 —

Mortgages:

Prime — 2,244 — 4,422 6,666 2.8 2,675 3,876 115 — —

Non-conforming 960 1,221 — — 2,181 4.6 351 368 475 987 —

Commercial 713 453 74 495 1,735 11.0 274 518 474 469 —

Other 166 1,198 684 1,933 3,981 1.2 3 958 2,786 234 —

5,907 13,286 20,698 9,966 49,857 3.0 26,413 8,959 12,581 1,904 —

2007

Auto loans 2,250 1,259 4,793 341 8,643 1.9 1,457 3,184 3,940 62 —

Corporate loans 1,127 1,551 4,658 1,627 8,963 6.5 8,838 15 110 — —

Credit card receivables 654 — 4,402 138 5,194 1.0 1,286 913 2,848 147 —

Trade receivables 299 816 1,965 309 3,389 0.9 187 732 2,183 236 51

Student loans 140 — 457 — 597 1.6 270 311 16 — —

Consumer loans 648 724 514 — 1,886 1.2 1,018 473 395 — —

Mortgages:

Prime 276 565 983 4,863 6,687 3.3 1,896 2,181 2,610 — —

Non-conforming 1,675 833 — 69 2,577 5.1 268 1,596 713 — —

Sub-prime — — 9 117 126 0.2 117 — 9 — —

Commercial 1,023 233 198 439 1,893 9.6 746 630 401 116 —

Buy-to-let 61 — — — 61 — 37 24 — — —

CDOs 137 520 1,473 — 2,130 2.7 2,115 15 — — —

Other 579 1,071 1,950 2,323 5,923 2.8 2,362 784 2,652 125 —

8,869 7,572 21,402 10,226 48,069 3.3 20,597 10,858 15,877 686 51