RBS 2010 Annual Report Download - page 164

Risk management: Credit risk continued
Ulster Bank Group (Core and Non-Core)* continued
Risk elements in lending and impairments by sector
Gross
loans (1) REIL Provisions
REIL
as a % of
gross loans
Provisions
as a % of
REIL
Provisions
as a % of
gross loans
Impairment
charge
Amounts
written-off
2010 £m £m £m % % % £m £m
Ulster Bank Group
Mortgages 21,162 1,566 439 7.4 28.0 2.1 336 7
Personal unsecured 1,282 185 158 14.4 85.4 12.3 48 30
Commercial real estate
- investment 8,138 2,989 1,332 36.7 44.6 16.4 889 —
- development 9,850 6,406 2,820 65.0 44.0 28.6 1,875 —
Other corporate 11,009 2,515 1,228 22.8 48.8 11.2 695 11
51,441 13,661 5,977 26.6 43.8 11.6 3,843 48
Core
Mortgages 21,162 1,566 439 7.4 28.0 2.1 294 7
Personal unsecured 1,282 185 158 14.4 85.4 12.3 48 30
Commercial real estate
- investment 4,284 598 332 14.0 55.5 7.7 259 —
- development 1,090 65 37 6.0 56.9 3.4 116 —
Other corporate 9,039 1,205 667 13.3 55.4 7.4 444 11
36,857 3,619 1,633 9.8 45.1 4.4 1,161 48
Non-Core
Mortgages — — — — — — 42 —
Commercial real estate
- investment 3,854 2,391 1,000 62.0 41.8 25.9 630 —
- development 8,760 6,341 2,783 72.4 43.9 31.8 1,759 —
Other corporate 1,970 1,310 561 66.5 42.8 28.5 251 —
14,584 10,042 4,344 68.9 43.3 29.8 2,682 —
Note:
(1) Funded loans.
*unaudited
RBS Group 2010162
Business review continued