RBS 2011 Annual Report Download - page 196

194 RBS Group 2011
Risk management: Credit risk continued
Balance sheet analysis: REIL, provisions and reserves continued
Loans, REIL and impairments by sector and geographical region
The tables below analyse gross loans and advances (excluding reverse repos and disposal groups), and related REIL, provisions, impairment charges
and amounts written-off, by sector and geographical region (by location of lending office).
Total
2011
Gross
loans
£m
REIL
£m
Provisions
£m
REIL
as a % of
gross loans
%
Provisions
as a %
of REIL
%
Provisions
as a % of
gross loans
%
Impairment
charge
£m
Amounts
written-off
£m
Central and local government 9,742 — — — — — — —
Finance
-banks 43,993 137 123 0.3 90 0.3 — —
- other 49,681 1,049 719 2.1 69 1.4 89 87
Residential mortgages 143,611 5,084 1,362 3.5 27 0.9 1,076 516
Personal lending 32,623 2,737 2,172 8.4 79 6.7 782 1,286
Property 76,768 21,655 8,862 28.2 41 11.5 3,670 1,171
Construction 9,453 1,762 703 18.6 40 7.4 139 244
Manufacturing 28,132 881 504 3.1 57 1.8 227 215
Service industries and business activities
- retail, wholesale and repairs 23,653 1,007 516 4.3 51 2.2 180 172
- transport and storage 21,931 589 146 2.7 25 0.7 78 43
- health, education and recreation 14,692 1,077 458 7.3 43 3.1 304 98
- hotels and restaurants 8,304 1,437 643 17.3 45 7.7 334 131
- utilities 8,392 88 23 1.0 26 0.3 3 3
- other 28,000 2,403 1,095 8.6 46 3.9 799 373
Agriculture, forestry and fishing 3,600 145 63 4.0 43 1.8 (7) 18
Finance leases and instalment credit 14,499 794 508 5.5 64 3.5 112 170
Interest accruals 791 — — — — — — —
Latent — — 1,986 — — — (545) —
517,865 40,845 19,883 7.9 49 3.8 7,241 4,527
of which:
UK
-residential mortgages 100,726 2,076 397 2.1 19 0.4 180 25
- personal lending 20,207 2,384 1,925 11.8 81 9.5 645 1,007
- property 55,751 7,880 2,859 14.1 36 5.1 1,413 490
- other 162,220 4,935 3,040 3.0 62 1.9 699 886
Europe
-residential mortgages 18,946 2,205 713 11.6 32 3.8 467 10
- personal lending 2,464 209 180 8.5 86 7.3 25 126
- property 16,384 13,073 5,751 79.8 44 35.1 2,296 508
- other 44,862 5,192 3,206 11.6 62 7.1 1,205 289
US
-residential mortgages 23,237 770 240 3.3 31 1.0 426 481
- personal lending 8,441 143 66 1.7 46 0.8 112 153
- property 3,783 329 92 8.7 28 2.4 (2) 138
- other 38,158 656 913 1.7 139 2.4 (166) 197
RoW
- residential mortgages 702 33 12 4.7 36 1.7 3 —
- personal lending 1,511 1 1 0.1 100 0.1 — —
- property 850 373 160 43.9 43 18.8 (37) 35
- other 19,623 586 328 3.0 56 1.7 (25) 182
Group before RFS MI 517,865 40,845 19,883 7.9 49 3.8 7,241 4,527
RFS MI — — — — — — (8) —
Group 517,865 40,845 19,883 7.9 49 3.8 7,233 4,527
Business review Risk and balance sheet management continued