RBS 2010 Annual Report Download - page 188

Risk management: Credit risk continued
REIL, provisions and reserves continued
Non-Core
2010
Gross
loans
£m
REIL
£m
Provisions
£m
REIL
as a % of
gross loans
%
Provisions
as a %
of REIL
%
Provisions
as a %of
gross loans
%
Impairment
charge
£m
Amounts
written-off
£m
Central and local government 1,671 — — — — — — —
Finance
-banks 1,003 1 1 0.1 100 0.1 (8) 11
- other 7,651 562 193 7.3 34 2.5 7 88
Residential mortgages 6,142 277 184 4.5 66 3.0 436 426
Personal lending 3,891 413 349 10.6 85 9.0 213 306
Property 47,651 16,297 5,918 34.2 36 12.4 3,943 911
Construction 3,352 1,854 653 55.3 35 19.5 341 108
Manufacturing 6,520 644 237 9.9 37 3.6 (211) 1,423
Service industries and business
activities 22,383 2,682 1,337 12.0 50 6.0 606 473
Agriculture, forestry and fishing 135 58 29 43.0 50 21.5 7 1
Finance leases and instalment credit 8,529 603 414 7.1 69 4.9 189 71
Interest accruals 278 — — — — — — —
Latent — — 1,001 — — — (116) —
109,206 23,391 10,316 21.4 44 9.4 5,407 3,818
of which:
UK 62,930 8,774 3,740 13.9 43 5.9 1,678 752
Europe 28,245 12,531 5,243 44.4 42 18.6 2,942 1,552
US 13,345 1,303 819 9.8 63 6.1 595 1,104
RoW 4,686 783 514 16.7 66 11.0 192 410
Group before RFS MI 109,206 23,391 10,316 21.4 44 9.4 5,407 3,818
2009
Central and local government 1,532 — — — — — — —
Finance
-banks 1,360 38 22 2.8 58 1.6 22 —
- other 9,713 501 160 5.2 32 1.6 630 579
Residential mortgages 12,932 614 210 4.7 34 1.6 604 496
Personal lending 6,358 596 366 9.4 61 5.8 701 604
Property 50,372 12,552 2,954 24.9 24 5.9 2,879 613
Construction 5,258 1,775 388 33.8 22 7.4 421 257
Manufacturing 14,402 2,640 1,897 18.3 72 13.2 1,384 691
Service industries and business
activities 33,638 3,546 1,191 10.5 34 3.5 1,464 916
Agriculture, forestry and fishing 553 47 27 8.5 57 4.9 6 1
Finance leases and instalment credit 11,956 591 302 4.9 51 2.5 219 35
Interest accruals 549 — — — — — — —
Latent — — 735 — — — 193 —
148,623 22,900 8,252 15.4 36 5.6 8,523 4,192
of which:
UK 79,043 8,400 2,713 10.6 32 3.4 2,709 1,279
Europe 41,096 10,783 3,740 26.2 35 9.1 2,520 381
US 19,546 2,618 1,144 13.4 44 5.9 2,460 2,080
RoW 8,938 1,099 655 12.3 60 7.3 834 452
Group before RFS MI 148,623 22,900 8,252 15.4 36 5.6 8,523 4,192
RBS Group 2010186
Business review continued