RBS 2011 Annual Report Download - page 198

196 RBS Group 2011
Risk management: Credit risk continued
Balance sheet analysis: REIL, provisions and reserves continued
Total
2009
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 7,660 — — — — — — —
Finance
-banks 48,934 206 157 0.4 76 0.3 34 —
- other 60,386 1,539 419 2.5 27 0.7 886 692
Residential mortgages 140,907 3,284 551 2.3 17 0.4 909 642
Personal lending 41,671 3,940 2,926 9.5 74 7.0 2,517 2,002
Property 99,426 14,318 3,422 14.4 24 3.4 3,296 650
Construction 14,760 2,232 519 15.1 23 3.5 479 287
Manufacturing 44,674 3,131 2,088 7.0 67 4.7 1,520 784
Service industries and business activities 134,076 5,308 1,860 4.0 35 1.4 1,964 1,281
Agriculture, forestry and fishing 4,279 137 73 3.2 53 1.7 30 5
Finance leases and instalment credit 20,103 894 418 4.4 47 2.1 271 135
Interest accruals 1,728 — — — — — — —
Latent — — 2,740 — — — 1,184 —
618,604 34,989 15,173 5.7 43 2.5 13,090 6,478
of which:
UK 394,297 16,104 6,922 4.1 43 1.8 5,593 2,924
Europe 107,803 13,390 5,449 12.4 41 5.1 3,270 427
US 84,072 4,115 2,020 4.9 49 2.4 3,273 2,656
RoW 32,432 1,380 782 4.3 57 2.4 954 471
Group before RFS MI 618,604 34,989 15,173 5.7 43 2.5 13,090 6,478
RFS MI 142,688 3,260 2,110 2.3 65 1.5 1,044 461
Group 761,292 38,249 17,283 5.0 45 2.3 14,134 6,939
Business review Risk and balance sheet management continued