RBS 2010 Annual Report Download - page 174

Business review continued
172 RBS Group 2010
Risk management: Credit risk continued
Balance sheet analysis: Industry and geography analysis continued
2008
Loans and
advances
£m
Securities
£m
Derivatives
£m
Other (1)
£m
Total
£m
Netting
and
offset (2)
£m
UK
Central and local government 6,106 36,466 5,798 14 48,384 1,987
Finance - banks 105,100 — — — 105,100 —
- other (3) 92,030 84,601 532,857 6,257 715,745 480,762
Residential mortgages 80,967 — 14 — 80,981 52
Personal lending 27,469 250 36 25 27,780 5
Property 74,010 2,008 5,094 71 81,183 1,026
Construction 13,426 144 754 26 14,350 1,485
Manufacturing 25,999 1,080 11,208 180 38,467 6,279
Service industries and business activities 88,334 10,154 13,278 1,471 113,237 7,624
Agriculture, forestry and fishing 3,118 93 34 15 3,260 87
Finance lease and instalment credit 17,363 3 25 — 17,391 119
Interest accruals 4,293 774 — — 5,067 —
Group before RFS MI 538,215 135,573 569,098 8,059 1,250,945 499,426
RFS MI 702 95 — — 797 —
Group 538,917 135,668 569,098 8,059 1,251,742 499,426
US
Central and local government 482 24,996 45 33 25,556 —
Finance - banks 5,814 — — — 5,814 —
- other (3) 24,618 37,344 355,502 5,754 423,218 323,910
Residential mortgages 34,235 — — — 34,235 —
Personal lending 14,368 — — — 14,368 —
Property 6,579 5 97 — 6,681 —
Construction 885 63 122 6 1,076 —
Manufacturing 13,127 102 1,809 128 15,166 217
Service industries and business activities 27,914 1,498 8,535 907 38,854 2,346
Agriculture, forestry and fishing 30 — 3 1 34 —
Finance lease and instalment credit 3,066 — — — 3,066 —
Interest accruals 498 466 — — 964 —
Group before RFS MI 131,616 64,474 366,113 6,829 569,032 326,473
RFS MI 491 2 — — 493 —
Group 132,107 64,476 366,113 6,829 569,525 326,473
For notes to this table refer to page 173.