RBS 2011 Annual Report Download - page 166

164 RBS Group 2011
Risk management: Credit risk continued
Balance sheet analysis: Credit concentration: Sector and geographical region continued
Loans and advances to banks and customers by geographical region
The table below analyses loans and advances, including reverse repos, gross of provisions by geographical region (location of office).
2011 2010 2009
£m £m £m
Loans and advances to banks (1)
-UK 55,061 70,400 59,348
- US 7,976 9,810 8,537
- Europe 8,865 10,655 5,535
- RoW 11,531 9,778 10,611
Group before RFS MI 83,433 100,643 84,031
RFS MI —2 7,879
83,433 100,645 91,910
Loans and advances to customers
- UK 351,147 374,822 386,798
- US 90,329 90,752 93,209
- Europe 74,045 83,586 102,571
- RoW 19,845 24,155 28,132
Group before RFS MI 535,366 573,315 610,710
RFS MI —— 134,809
535,366 573,315 745,519
Group before RFS MI 618,799 673,958 694,741
RFS MI —2 142,688
Group 618,799 673,960 837,429
Note:
(1) Loans and advances to banks includes £95 million of accrued interest (2010 - £36 million; 2009 - £339 million).
Key points
xGross loans and advances declined by £55.2 billion during 2011 of which £19.4 billion related to the transfer to disposal groups.
xCustomer lending declined £37.9 billion, principally reflecting the transfer to disposal groups and the Non-Core disposal strategy
- UK down £23.7 billion
- US down £0.4 billion
- Europe down £9.5 billion
- Rest of the World down £4.3 billion
Business review Risk and balance sheet management continued