RBS 2011 Annual Report Download - page 197

RBS Group 2011 195
Total
2010
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 8,452 — — — — — — —
Finance
-banks 58,036 145 127 0.2 88 0.2 (13) 12
- other 54,561 1,129 595 2.1 53 1.1 198 141
Residential mortgages 146,501 4,276 877 2.9 21 0.6 1,014 669
Personal lending 37,472 3,544 2,894 9.5 82 7.7 1,370 1,577
Property 90,106 19,584 6,736 21.7 34 7.5 4,682 1,009
Construction 12,032 2,464 875 20.5 36 7.3 530 146
Manufacturing 32,317 1,199 503 3.7 42 1.6 (92) 1,547
Service industries and business activities
-retail, wholesale and repairs 25,165 1,157 572 4.6 49 2.3 334 161
- transport and storage 24,141 248 118 1.0 48 0.5 87 39
- health, education and recreation 19,321 1,055 319 5.5 30 1.7 159 199
- hotels and restaurants 9,681 1,269 504 13.1 40 5.2 321 106
- utilities 9,208 91 23 1.0 25 0.2 14 7
- other 29,994 1,438 749 4.8 52 2.5 378 310
Agriculture, forestry and fishing 3,893 152 86 3.9 57 2.2 31 6
Finance leases and instalment credit 16,850 847 554 5.0 65 3.3 252 113
Interest accruals 1,109 — — — — — — —
Latent — — 2,650 — — — (121) —
578,839 38,598 18,182 6.7 47 3.1 9,144 6,042
of which:
UK
-residential mortgages 101,593 2,062 314 2.0 15 0.3 169 17
- personal lending 23,620 3,083 2,518 13.1 82 10.7 1,046 1,153
- property 65,462 7,986 2,219 12.2 28 3.4 1,546 397
- other 191,934 5,652 3,580 2.9 63 1.9 1,197 704
Europe
-residential mortgages 20,094 1,551 301 7.7 19 1.5 221 6
- personal lending 2,870 401 316 14.0 79 11.0 66 24
- property 17,775 10,534 4,199 59.3 40 23.6 2,828 210
- other 53,380 3,950 2,454 7.4 62 4.6 763 1,423
US
-residential mortgages 24,201 640 253 2.6 40 1.0 615 645
- personal lending 9,520 55 55 0.6 100 0.6 160 271
- property 4,929 765 202 15.5 26 4.1 321 220
- other 36,780 870 1,133 2.4 130 3.1 (76) 524
RoW
-residential mortgages 613 23 9 3.8 39 1.5 9 1
- personal lending 1,462 5 5 0.3 100 0.3 98 129
- property 1,940 299 116 15.4 39 6.0 (13) 182
- other 22,666 722 508 3.2 70 2.2 194 136
Group before RFS MI 578,839 38,598 18,182 6.7 47 3.1 9,144 6,042
RFS MI 2 — — — — — 42 —
Group 578,841 38,598 18,182 6.7 47 3.1 9,186 6,042