RBS 2010 Annual Report Download - page 169

Loans and advances
Core Non-Core Total Securities Derivatives Other (1) Total
Netting
and
offset (2)
2009 £m £m £m £m £m £m £m £m
Total
Central and local government 6,388 1,532 7,920 142,812 6,998 205 157,935 1,725
Finance - banks 81,695 1,937 83,632 — — — 83,632 —
- other (3) 88,617 11,957 100,574 99,284 409,452 12,110 621,420 372,343
Residential mortgages 127,975 12,932 140,907 717 11 — 141,635 7
Personal lending 35,313 6,358 41,671 1 38 40 41,750 21
Property 49,054 50,372 99,426 4,497 4,184 108 108,215 1,114
Construction 9,502 5,258 14,760 615 923 63 16,361 1,450
Manufacturing 30,454 14,402 44,856 1,954 5,353 116 52,279 3,184
Service industries and business activities 100,729 33,662 134,391 14,519 11,180 794 160,884 5,811
Agriculture, forestry and fishing 3,726 553 4,279 254 44 9 4,586 76
Finance lease and instalment credit 8,147 11,956 20,103 306 16 — 20,425 39
Interest accruals 1,667 555 2,222 1,571 — — 3,793 —
Total gross of provisions 543,267 151,474 694,741 266,530 438,199 13,445 1,412,915 385,770
Provisions (15,173) (1,475) — — (16,648) n/a
Group before RFS MI 679,568 265,055 438,199 13,445 1,396,267 385,770
RFS MI gross of provisions 142,688 21,730 3,255 9 167,682 55
RFS MI provision (2,110) (3) — — (2,113) n/a
Group 820,146 286,782 441,454 13,454 1,561,836 385,825
Loans and
advances Securities Derivatives Other (1) Total
Netting
and
offset (2)
2008 £m £m £m £m £m £m
Total
Central and local government 15,497 100,099 6,382 197 122,175 1,987
Finance - banks 127,287 — — — 127,287 —
- other (3) 139,083 146,869 938,819 16,026 1,240,797 836,404
Residential mortgages 139,391 29 18 — 139,438 52
Personal lending 51,070 278 60 25 51,433 34
Property 103,276 2,494 5,586 71 111,427 1,067
Construction 20,250 213 984 32 21,479 1,488
Manufacturing 71,165 1,413 14,159 308 87,045 6,498
Service industries and business activities 169,844 22,764 25,417 2,463 220,488 10,918
Agriculture, forestry and fishing 4,628 144 45 16 4,833 87
Finance lease and instalment credit 22,355 23 25 — 22,403 119
Interest accruals 6,369 1,241 — — 7,610 —
Total gross of provisions 870,215 275,567 991,495 19,138 2,156,415 858,654
Provisions (9,451) (210) — — (9,661) n/a
Group before RFS MI 860,764 275,357 991,495 19,138 2,146,754 858,654
RFS MI gross of provisions 153,720 18,522 1,064 20 173,326 14
RFS MI provision (1,565) — — — (1,565) n/a
Group 1,012,919 293,879 992,559 19,158 2,318,515 858,668
For notes to this table refer to page 173.
167RBS Group 2010
Business review
Risk and balance sheet management