RBS 2011 Annual Report Download - page 194

192 RBS Group 2011
Risk management: Credit risk continued
Balance sheet analysis: REIL, provisions and reserves continued
REIL by division
The tables below analyse loans and advances (excluding reverse repos and disposal groups) and related REIL, provisions, impairments, amounts
written-off and coverage ratios by division.
Gross loans
to banks
Gross loans
to customer REIL Provisions
REIL as a %
of gross
customer loans
Provisions
as a %
of REIL
Impairment
charge
Amounts
written-off
2011 £m £m £m £m % % £m £m
UK Retail 628 103,377 4,087 2,344 4.0 57 788 823
UK Corporate 672 96,647 3,972 1,608 4.1 40 782 653
Wealth 2,422 16,913 211 81 1.2 38 25 11
Global Transaction Services 3,464 15,767 218 234 1.4 107 166 79
Ulster Bank 2,079 34,052 5,523 2,749 16.2 50 1,384 124
US Retail & Commercial 208 51,436 1,006 451 2.0 45 247 371
Retail & Commercial 9,473 318,192 15,017 7,467 4.7 50 3,392 2,061
Global Banking & Markets 30,072 75,493 1,845 947 2.4 51 11 76
RBS Insurance and other 3,829 929 — — — — — —
Core 43,374 394,614 16,862 8,414 4.3 50 3,403 2,137
Non-Core 619 79,258 23,983 11,469 30.3 48 3,838 2,390
Group before RFS MI 43,993 473,872 40,845 19,883 8.6 49 7,241 4,527
RFS MI — — — — — — (8) —
Group 43,993 473,872 40,845 19,883 8.6 49 7,233 4,527
2010
UK Retail 408 108,405 4,620 2,741 4.3 59 1,160 1,135
UK Corporate 72 111,672 3,967 1,732 3.6 44 761 349
Wealth 2,220 16,130 223 66 1.4 30 18 9
Global Transaction Services 3,047 14,437 146 147 1.0 101 8 49
Ulster Bank 2,928 36,858 3,619 1,633 9.8 45 1,161 48
US Retail & Commercial 145 48,516 913 505 1.9 55 483 547
Retail & Commercial 8,820 336,018 13,488 6,824 4.0 51 3,591 2,137
Global Banking & Markets 46,073 75,981 1,719 1,042 2.3 61 146 87
RBS Insurance and other 2,140 601 — — — — — —
Core 57,033 412,600 15,207 7,866 3.7 52 3,737 2,224
Non-Core 1,003 108,203 23,391 10,316 21.6 44 5,407 3,818
Group before RFS MI 58,036 520,803 38,598 18,182 7.4 47 9,144 6,042
RFS MI 2 — — — — — 42 —
Group 58,038 520,803 38,598 18,182 7.4 47 9,186 6,042
2009
UK Retail 818 102,994 4,641 2,677 4.5 58 1,679 1,150
UK Corporate 91 111,580 2,330 1,271 2.1 55 923 352
Wealth 1,841 13,684 218 55 1.6 25 33 12
Global Transaction Services 1,476 12,670 197 189 1.6 96 39 23
Ulster Bank 2,637 39,707 2,260 962 5.7 43 649 34
US Retail & Commercial 30 48,907 643 478 1.3 74 702 546
Retail & Commercial 6,893 329,542 10,289 5,632 3.1 55 4,025 2,117
Global Banking & Markets 38,788 92,110 1,800 1,289 2.0 72 542 169
RBS Insurance and other 1,893 755 — — — — — —
Core 47,574 422,407 12,089 6,921 2.9 57 4,567 2,286
Non-Core 1,360 147,263 22,900 8,252 15.6 36 8,523 4,192
Group before RFS MI 48,934 569,670 34,989 15,173 4.4 43 13,090 6,478
RFS MI 7,879 134,809 3,260 2,110 2.4 65 1,044 461
Group 56,813 704,479 38,249 17,283 5.4 45 14,134 6,939
Business review Risk and balance sheet management continued