RBS 2011 Annual Report Download - page 199
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RBS Group 2011 197
Core
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 8,359 — — — — — — —
Finance
-banks 43,374 136 122 0.3 90 0.3 — —
- other 46,452 732 572 1.6 78 1.2 207 44
Residential mortgages 138,509 4,704 1,182 3.4 25 0.9 776 198
Personal lending 31,067 2,627 2,080 8.5 79 6.7 715 935
Property 38,704 3,686 1,001 9.5 27 2.6 470 167
Construction 6,781 660 228 9.7 35 3.4 178 143
Manufacturing 23,201 458 221 2.0 48 1.0 106 125
Service industries and business activities
- retail, wholesale and repairs 21,314 619 312 2.9 50 1.5 208 119
- transport and storage 16,454 325 52 2.0 16 0.3 47 29
- health, education and recreation 13,273 576 213 4.3 37 1.6 170 55
- hotels and restaurants 7,143 952 354 13.3 37 5.0 209 60
- utilities 6,543 22 1 0.3 5 — — —
- other 24,228 1,095 591 4.5 54 2.4 553 189
Agriculture, forestry and fishing 3,471 98 36 2.8 37 1.0 (15) 5
Finance leases and instalment credit 8,440 172 110 2.0 64 1.3 31 68
Interest accruals 675 — — — — — — —
Latent — — 1,339 — — — (252) —
437,988 16,862 8,414 3.8 50 1.9 3,403 2,137
of which:
UK
-residential mortgages 99,303 2,024 386 2.0 19 0.4 174 24
- personal lending 20,080 2,347 1,895 11.7 81 9.4 657 828
- property 31,141 2,475 568 7.9 23 1.8 379 113
- other 142,464 2,637 1,536 1.9 58 1.1 525 537
Europe
-residential mortgages 18,393 2,121 664 11.5 31 3.6 437 10
- personal lending 1,972 143 125 7.3 87 6.3 (8) 22
- property 4,846 1,038 367 21.4 35 7.6 162 11
- other 33,794 2,551 1,891 7.6 74 5.6 928 182
US
-residential mortgages 20,311 526 120 2.6 23 0.6 162 164
- personal lending 7,505 136 59 1.8 43 0.8 66 85
- property 2,413 111 24 4.6 22 1.0 16 43
- other 36,054 443 584 1.2 132 1.6 26 101
RoW
- residential mortgages 502 33 12 6.6 36 2.4 3 —
- personal lending 1,510 1 1 0.1 100 0.1 — —
- property 304 62 42 20.4 68 13.8 (87) —
- other 17,396 214 140 1.2 65 0.8 (37) 17
Group before RFS MI 437,988 16,862 8,414 3.8 50 1.9 3,403 2,137