RBS 2011 Annual Report Download - page 170

168 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
Europe
Central and local government —365 1,017 1,382 18,648 — 18,648 66 — 20,096 — 20,096
Finance - banks 94 10,219 313 10,532 11,843 — 11,843 — 7,936 30,405 — 30,405
- other (3) —2,642 1,019 3,661 4,886 347 5,233 746 53 9,693 1 9,692
Residential mortgages —19,473 621 20,094 — — — — — 20,094 5 20,089
Personal lending —2,270 600 2,870 62 — 62 — 25 2,957 — 2,957
Property —5,139 12,636 17,775 — 43 43 — — 17,818 5 17,813
Construction —1,014 873 1,887 — 27 27 1 — 1,915 14 1,901
Manufacturing —5,853 4,181 10,034 18 87 105 39 — 10,178 6 10,172
Service industries and business
activities
-retail, wholesale and repairs —4,126 999 5,125 32 2 34 33 — 5,192 15 5,177
- transport and storage —5,625 1,369 6,994 141 22 163 2 — 7,159 5 7,154
- health, education and recreation —1,442 496 1,938 27 9 36 — — 1,974 — 1,974
- hotels and restaurants —1,055 535 1,590 — 120 120 — — 1,710 4 1,706
- utilities —1,412 623 2,035 74 188 262 10 — 2,307 — 2,307
- other —3,877 2,050 5,927 109 176 285 54 1 6,267 23 6,244
Agriculture, forestry and fishing —849 68 917 — 1 1 — — 918 21 897
Finance lease and instalment credit —370 744 1,114 — — — — — 1,114 — 1,114
Interest accruals 28 143 101 244 575 — 575 — — 847 — 847
Group before RFS MI 122 65,874 28,245 94,119 36,415 1,022 37,437 951 8,015 140,644 99 140,545
RFS MI — — — 2 — — — — — 2 — 2
Group 122 65,874 28,245 94,121 36,415 1,022 37,437 951 8,015 140,646 99 140,547
RoW
Central and local government 34 425 428 853 14,073 — 14,073 189 6 15,155 — 15,155
Finance - banks 5,129 4,453 197 4,650 3,299 — 3,299 — 1,526 14,604 — 14,604
- other (3) 2,088 6,751 22 6,773 145 444 589 27,531 1,792 38,773 22,575 16,198
Residential mortgages —410 203 613 — — — — — 613 — 613
Personal lending —1,460 2 1,462 — — — 6 — 1,468 — 1,468
Property —735 1,205 1,940 303 15 318 68 — 2,326 — 2,326
Construction — 183 91 274 12 4 16 22 — 312 — 312
Manufacturing —2,185 686 2,871 — 4 4 448 — 3,323 — 3,323
Service industries and business
activities
-retail, wholesale and repairs —1,030 102 1,132 13 28 41 149 — 1,322 1 1,321
- transport and storage —430 403 833 398 27 425 199 — 1,457 — 1,457
- health, education and recreation —132 17 149 — 8 8 29 — 186 — 186
- hotels and restaurants —90 13 103 — 3 3 4 — 110 — 110
- utilities —1,468 399 1,867 33 34 67 97 — 2,031 — 2,031
- other 12,100 912 3,012 85 270 355 1,004 8 4,380 1 4,379
Agriculture, forestry and fishing — 6 — 6 — — — 2 — 8 — 8
Finance lease and instalment credit — 47 — 47 — — — — — 47 — 47
Interest accruals —90 6 96 82 — 82 — — 178 — 178
Group 7,252 21,995 4,686 26,681 18,443 837 19,280 29,748 3,332 86,293 22,577 63,716
For notes relating to this table refer to page 170.
Business review Risk and balance sheet management continued