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RBS 2010 Annual Report Download - page 222

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Risk management: Other risk exposures continued

Conduits continued

CP funded assets

Geographic distribution Credit ratings (S&P equivalent)

UK

Other

Europe US RoW Total AAA AA A BBB

Below

BBB

2010 £m £m £m £m £m

Weighted

average

life - years £m £m £m £m £m

Auto loans 429 962 3,434 464 5,289 1.6 4,827 354 101 7 —

Corporate loans 22 1,513 709 211 2,455 0.8 2,166 161 128 — —

Credit card receivables 144 — 1,944 — 2,088 1.4 1,912 125

—

51 —

Trade receivables — 261 500 — 761 1.1 265 353 95 48 —

Student loans 116 — 641 — 757 1.9 641 116

—

——

Consumer loans 766 462 661 — 1,889 2.5 16 — 1,873 — —

Mortgages —

- prime 161 —

—

2,411 2,572 2.7 1,043 1,476 32 21 —

- non-conforming 712 659

—

— 1,371 4.8 782 273 316 — —

- sub-prime 103 —

—

— 103 2.3 — 68

—

35 —

- commercial 627 —

—

33 660 11.8 16 5 635 4 —

Other 447 455 353 814 2,069 1.7 95 52 1,242 680 —

3,527 4,312 8,242 3,933 20,014 2.3 11,763 2,983 4,422 846 —

2009

Auto loans 476 982 2,621 570 4,649 1.8 2,965 1,547 137 — —

Corporate loans 312 5,213 1,411 865 7,801 1.0 7,584 111 106 — —

Credit card receivables 177 — 3,823 83 4,083 0.8 2,781 759 420 123 —

Trade receivables — 334 438 34 806 0.7 446 266 60 34 —

Student loans 117 — 798 — 915 0.7 798 117

—

——

Consumer loans 733 800 153 — 1,686 1.5 68 50 1,553 15 —

Mortgages

- prime 138 —

—

2,604 2,742 3.1 949 1,746 28 3 16

- non-conforming 599 949

—

— 1,548 3.7 1,070 379 99 — —

- commercial 641 194

—

36 871 14.7 25 3 840 — 3

Other 121 670 298 1,176 2,265 2.3 170 249 950 896 —

3,314 9,142 9,542 5,368 27,366 1.9 16,856 5,227 4,193 1,071 19

2008

Auto loans 801 1,706 7,402 398 10,307 1.7 6,075 883 3,349 — —

Corporate loans 1,714 4,347 3,289 2,122 11,472 4.9 10,767 132 573 — —

Credit card receivables 633 — 4,999 212 5,844 0.7 3,465 62 2,171 146 —

Trade receivables 68 922 1,371 384 2,745 0.7 120 1,025 1,600 — —

Student loans 144 — 2,411 — 2,555 0.3 2,296 144 115 — —

Consumer loans 708 1,195 468 — 2,371 1.7 387 993 923 68 —

Mortgages

- prime — 2,244

—

4,422 6,666 2.8 2,675 3,876 115 — —

- non-conforming 960 1,221

—

— 2,181 4.6 351 368 475 987 —

- commercial 713 453 74 495 1,735 11.0 274 518 474 469 —

Other 166 1,198 684 1,933 3,981 1.2 3 958 2,786 234 —

5,907 13,286 20,698 9,966 49,857 3.0 26,413 8,959 12,581 1,904 —

RBS Group 2010220

Business review continued