RBS 2010 Annual Report Download - page 192

Risk management: Credit risk continued
REIL, provisions and reserves continued
Analysis of loan impairment charge
The following table analyses impairment losses.
2010
£m
2009
£m
2008
£m
Latent loss (121) 1,184 769
Collectively assessed 3,070 3,994 2,391
Individually assessed 6,208 7,878 3,200
Loans to customers 9,157 13,056 6,360
Loans to banks (13) 34 118
Securities 112 809 961
Charge to income statement 9,256 13,899 7,439
Charge relating to customer loans as a % of gross customer loans (1) 1.7% 2.3% 0.9%
Note:
(1) Gross of provisions and excluding reverse repurchase agreements and including gross loans relating to disposal groups.
2010 2009 2008
Core
£m
Non-Core
£m
Group
£m
Core
£m
Non-Core
£m
Group
£m
Group
£m
Loan impairment losses
-customers 3,742 5,415 9,157 4,555 8,501 13,056 6,360
- banks (5) (8) (13) 12 22 34 118
3,737 5,407 9,144 4,567 8,523 13,090 6,478
Impairment losses on securities
-debt securities 40 41 81 98 503 601 858
- equity securities 4 27 31 13 195 208 103
44 68 112 111 698 809 961
Charge to income statement 3,781 5,475 9,256 4,678 9,221 13,899 7,439
Key point
xProvisions are 3.44% of loans and advances at 31 December 2010, compared with 2.69% at 31 December 2009. Non-Core figures were 9.14%
versus 5.79%.
RBS Group 2010190
Business review continued