RBS 2011 Annual Report Download - page 160
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158 RBS Group 2011
Risk management: Credit risk continued
Key credit portfolios*: Ulster Bank Group (Core and Non-Core) continued
Gross
loans REIL Provisions
REIL
as a % of
gross loans
Provisions
as a % of
REIL
Provisions
as a % of
gross loans
Impairment
charge
Amounts
written-off
2010 £m £m £m % % % £m £m
Core
Mortgages 21,162 1,566 439 7.4 28 2.1 294 7
Personal unsecured 1,282 185 158 14.4 85 12.3 48 30
Commercial real estate
- investment 4,284 598 332 14.0 56 7.7 259 —
- development 1,090 65 37 6.0 57 3.4 116 —
Other corporate 9,039 1,205 667 13.3 55 7.4 444 11
36,857 3,619 1,633 9.8 45 4.4 1,161 48
Non-Core
Mortgages — — — — — — 42 —
Commercial real estate
- investment 3,854 2,391 1,000 62.0 42 25.9 630 —
- development 8,760 6,341 2,783 72.4 44 31.8 1,759 —
Other corporate 1,970 1,310 561 66.5 43 28.5 251 —
14,584 10,042 4,344 68.9 43 29.8 2,682 —
Ulster Bank Group
Mortgages 21,162 1,566 439 7.4 28 2.1 336 7
Personal unsecured 1,282 185 158 14.4 85 12.3 48 30
Commercial real estate
- investment 8,138 2,989 1,332 36.7 45 16.4 889 —
- development 9,850 6,406 2,820 65.0 44 28.6 1,875 —
Other corporate 11,009 2,515 1,228 22.8 49 11.2 695 11
51,441 13,661 5,977 26.6 44 11.6 3,843 48
2009
Core
Mortgages 16,199 558 102 3.4 18 0.6 74 3
Personal unsecured 2,433 174 145 7.2 83 6.0 66 27
Commercial real estate
- investment 6,131 250 105 4.1 42 1.7 84 —
- development 3,838 428 284 11.2 66 7.4 221 4
Other corporate 11,106 850 326 7.7 38 2.9 204 —
39,707 2,260 962 5.7 43 2.4 649 34
Non-Core
Mortgages 6,002 324 51 5.4 16 0.8 42 —
Commercial real estate
- investment 2,061 1,498 308 72.7 21 14.9 286 —
- development 6,271 3,840 822 61.2 21 13.1 732 —
Other corporate 1,373 1,126 322 82.0 29 23.5 217 —
15,707 6,788 1,503 43.2 22 9.6 1,277 —
Ulster Bank Group
Mortgages 22,201 882 153 4.0 17 0.7 116 3
Personal unsecured 2,433 174 145 7.2 83 6.0 66 27
Commercial real estate
- investment 8,192 1,748 413 21.3 24 5.0 370 —
- development 10,109 4,268 1,106 42.2 26 10.9 953 4
Other corporate 12,479 1,976 648 15.8 33 5.2 421 —
55,414 9,048 2,465 16.3 27 4.4 1,926 34
*unaudited
Business review Risk and balance sheet management continued