RBS 2011 Annual Report Download - page 176

174 RBS Group 2011
Risk management: Credit risk continued
Balance sheet analysis: Asset quality continued
Cash and
balances
at central
banks
Loans and
advances
to banks (1)
Loans and
advances to
customers
Settlement
balances Derivatives
Other
financial
instruments Commitments
Contingent
liabilities Total
2011 £m £m £m £m £m £m £m £m £m
Non-Core
AQ1 58 503 18,733 16 3,876 88 6,136 829 30,239
AQ2 — 4 1,652 2 677 — 865 32 3,232
AQ3 140 14 2,748 — 459 — 1,152 73 4,586
AQ4 1 55 6,616 1 946 — 1,263 192 9,074
AQ5 — 5 7,145 — 1,429 — 1,367 209 10,155
AQ6 — 48 6,416 — 234 — 1,035 28 7,761
AQ7 — — 4,265 — 1,597 — 1,649 88 7,599
AQ8 — 10 2,014 — 586 — 91 40 2,741
AQ9 — — 4,491 — 558 48 517 45 5,659
AQ10 — — 306 — 708 — 1,080 41 2,135
Accruing past due — — 1,544 — — — — — 1,544
Impaired — 1 23,440 — — 1 — — 23,442
Impairment provision — (1) (11,468) — — (1) — — (11,470)
Group 199 639 67,902 19 11,070 136 15,155 1,577 96,697
2010
AQ1 18 654 22,799 1 12,070 292 7,637 94 43,565
AQ2 — 48 2,748 — 416 — 1,205 252 4,669
AQ3 — 32 3,130 1 185 — 2,185 69 5,602
AQ4 178 100 9,998 — 374 — 4,118 1,452 16,220
AQ5 — 75 14,745 — 872 129 3,310 245 19,376
AQ6 — 21 11,999 — 265 — 1,941 90 14,316
AQ7 — 24 7,634 — 262 — 1,147 147 9,214
AQ8 — — 3,283 — 146 — 672 111 4,212
AQ9 — 8 4,365 — 213 30 447 46 5,109
AQ10 — 55 2,867 — 1,213 — 1,329 157 5,621
Accruing past due — 7 2,686 46 — — — — 2,739
Impaired — 1 22,189 — — — — — 22,190
Impairment provision — (1) (10,315) — — — — — (10,316)
Group before RFS MI 196 1,024 98,128 48 16,016 451 23,991 2,663 142,517
Note:
(1) Excluding items in the course of collection from other banks of £1,470 million (2010 - £1,958 million; 2009 - £2,533 million).
Business review Risk and balance sheet management continued