RBS 2011 Annual Report Download - page 164

162 RBS Group 2011
Risk management: Credit risk continued
Balance sheet analysis: Credit concentration: Sector and geographical region continued
Loans and advances Securities
Reverse
repos Core Non-Core Total Debt Equity Total Derivatives Other (1) Total
Netting
and
offset (2) Net
2010 £m £m £m £m £m £m £m £m £m £m £m £m
Central and local
government 645 6,781 1,671 8,452 130,123 767 130,890 7,560 291 147,838 3,916 143,922
Finance - banks 42,571 57,033 1,003 58,036 22,474 — 22,474 — 57,014 180,095 24,673 155,422
- other (3) 51,297 46,910 7,651 54,561 54,726 19,562 74,288 399,318 12,185 591,649 378,714 212,935
Residential mortgages —140,359 6,142 146,501 — — — 6 — 146,507 19 146,488
Personal lending —33,581 3,891 37,472 63 — 63 15 48 37,598 11 37,587
Property —42,455 47,651 90,106 2,700 237 2,937 3,830 28 96,901 1,046 95,855
Construction —8,680 3,352 12,032 56 31 87 780 — 12,899 1,406 11,493
Manufacturing 389 25,797 6,520 32,317 784 113 897 3,229 — 36,832 2,156 34,676
Service industries and
business activities
- retail, wholesale and
repairs —21,974 3,191 25,165 520 41 561 1,124 — 26,850 2,468 24,382
- transport and storage —15,946 8,195 24,141 879 54 933 2,703 — 27,777 224 27,553
- health, education and
recreation —17,456 1,865 19,321 1,495 42 1,537 1,198 — 22,056 1,047 21,009
- hotels and restaurants —8,189 1,492 9,681 276 123 399 525 — 10,605 253 10,352
- utilities —7,098 2,110 9,208 1,714 229 1,943 2,491 2 13,644 985 12,659
- other 126 24,464 5,530 29,994 1,532 1,172 2,704 4,244 386 37,454 1,378 36,076
Agriculture, forestry and
fishing —3,758 135 3,893 28 1 29 40 — 3,962 115 3,847
Finance lease and
instalment credit —8,321 8,529 16,850 13 2 15 14 — 16,879 134 16,745
Interest accruals 91 831 278 1,109 1,398 — 1,398 — — 2,598 — 2,598
Total gross of provisions 95,119 469,633 109,206 578,839 218,781 28,374 241,155 427,077 69,954 1,412,144 418,545 993,599
Provisions —(7,866) (10,316) (18,182) (1,301) (176) (1,477) — (29) (19,688) n/a (19,688)
Group before RFS MI 95,119 461,767 98,890 560,657 217,480 22,198 239,678 427,077 69,925 1,392,456 418,545 973,911
RFS MI gross of
provisions — — — 2 — — — — — 2 — 2
Group 95,119 461,767 98,890 560,659 217,480 22,198 239,678 427,077 69,925 1,392,458 418,545 973,913
Comprising:
Repurchase agreements 10,712
Derivative balances 361,493
Derivative collateral 31,015
Other 15,325
418,545
For notes relating to this table refer to page 170.
Business review Risk and balance sheet management continued