RBS 2010 Annual Report Download - page 80
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Divisional performance continued
Impairment losses by division 2010
£m
2009
£m
2008
£m
UK Retail 1,160 1,679 1,019
UK Corporate 761 927 319
Wealth 18 33 16
Global Transaction Services 939 54
Ulster Bank 1,161 649 106
US Retail & Commercial 517 702 437
Retail & Commercial 3,626 4,029 1,951
Global Banking & Markets 151 640 522
RBS Insurance —8 42
Central items 31 (19)
Core 3,780 4,678 2,496
Non-Core 5,476 9,221 4,936
9,256 13,899 7,432
Group before RFS Holdings minority interest
RFS Holdings minority interest —— 7
Group 9,256 13,899 7,439
Net interest margin by division 2010
%
2009
%
2008
%
UK Retail 3.91 3.59 3.58
UK Corporate 2.51 2.22 2.40
Wealth 3.37 4.38 4.51
Global Transaction Services 6.73 9.22 8.25
Ulster Bank 1.84 1.87 1.89
US Retail & Commercial 2.85 2.37 2.68
Retail & Commercial 3.14 2.89 3.00
Global Banking & Markets 1.05 1.38 1.34
Non-Core 1.16 0.69 0.87
Group 2.01 1.76 2.08
2010 2009 2008
Risk-weighted assets by division £bn £bn £bn
UK Retail 48.8 51.3 45.7
UK Corporate 81.4 90.2 85.7
Wealth 12.5 11.2 10.8
Global Transaction Services 18.3 19.1 17.4
Ulster Bank 31.6 29.9 24.5
US Retail & Commercial 57.0 59.7 63.9
Retail & Commercial 249.6 261.4 248.0
Global Banking & Markets 146.9 123.7 151.8
Other 18.0 9.4 7.1
Core 414.5 394.5 406.9
Non-Core 153.7 171.3 170.9
Group before benefit of Asset Protection Scheme 568.2 565.8 577.8
Benefit of Asset Protection Scheme (105.6) (127.6) —
Group before RFS Holdings minority interest 462.6 438.2 577.8
RFS Holdings minority interest 2.9 102.8 118.0
Group 465.5 541.0 695.8
RBS Group 201078
Business review continued