RBS 2011 Annual Report Download - page 168

166 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
2011 £m £m £m £m £m £m £m £m £m £m £m £m
Europe
Central and local government — 116 715 831 13,362 3 13,365 60 — 14,256 — 14,256
Finance - banks 247 8,361 250 8,611 10,859 — 10,859 — 6,701 26,418 — 26,418
- other (3) — 2,534 474 3,008 4,521 240 4,761 289 90 8,148 1 8,147
Residential mortgages — 18,393 553 18,946 — — — — — 18,946 — 18,946
Personal lending — 1,972 492 2,464 — — — — 28 2,492 — 2,492
Property — 4,846 11,538 16,384 — — — 168 — 16,552 9 16,543
Construction — 1,019 735 1,754 — 22 22 18 — 1,794 24 1,770
Manufacturing — 4,383 3,732 8,115 57 5 62 23 — 8,200 9 8,191
Service industries and business
activities
- retail, wholesale and repairs — 3,992 772 4,764 16 2 18 23 — 4,805 24 4,781
- transport and storage — 5,667 862 6,529 143 — 143 15 — 6,687 6 6,681
- health, education and recreation — 1,235 349 1,584 164 5 169 2 — 1,755 8 1,747
- hotels and restaurants — 892 535 1,427 — — — 6 — 1,433 6 1,427
- utilities — 1,569 530 2,099 124 3 127 85 — 2,311 — 2,311
- other — 2,966 1,555 4,521 131 70 201 34 — 4,756 25 4,731
Agriculture, forestry and fishing — 699 53 752 — 1 1 1 — 754 31 723
Finance lease and instalment credit — 260 435 695 — — — — — 695 — 695
Interest accruals 7 101 71 172 437 — 437 — — 616 — 616
Group 254 59,005 23,651 82,656 29,814 351 30,165 724 6,819 120,618 143 120,475
RoW
Central and local government 117 54 629 683 11,414 — 11,414 190 92 12,496 — 12,496
Finance - banks 6,605 4,767 147 4,914 2,886 — 2,886 — 2,777 17,182 25 17,157
- other (3) 1,956 4,051 53 4,104 268 235 503 30,700 592 37,855 27,872 9,983
Residential mortgages — 502 200 702 — — — — — 702 — 702
Personal lending — 1,510 1 1,511 — — — 1 — 1,512 — 1,512
Property — 304 546 850 269 15 284 61 1 1,196 — 1,196
Construction — 59 10 69 9 2 11 22 — 102 — 102
Manufacturing — 2,395 322 2,717 7 13 20 1,052 306 4,095 — 4,095
Service industries and
business activities
- retail, wholesale and repairs — 1,276 28 1,304 3 34 37 96 — 1,437 — 1,437
- transport and storage — 366 239 605 225 6 231 443 — 1,279 35 1,244
- health, education and recreation — 358 225 583 — 4 4 34 — 621 — 621
- hotels and restaurants — 25 — 25 — 2 2 — — 27 — 27
- utilities — 1,479 369 1,848 13 22 35 94 — 1,977 — 1,977
- other — 2,372 179 2,551 78 259 337 857 2 3,747 — 3,747
Agriculture, forestry and fishing — 85 — 85 — — — 3 — 88 — 88
Finance lease and instalment credit — 91 26 117 127 — 127 2 — 246 — 246
Interest accruals 12 18 — 18 49 — 49 — — 79 — 79
Group 8,690 19,712 2,974 22,686 15,348 592 15,940 33,555 3,770 84,641 27,932 56,709
For notes relating to this table refer to page 170.
Business review Risk and balance sheet management continued