RBS 2011 Annual Report Download - page 200

198 RBS Group 2011
Risk management: Credit risk continued
Balance sheet analysis: REIL, provisions and reserves continued
Core
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 6,781 — — — — — — —
Finance
-banks 57,033 144 126 0.3 88 0.2 (5) 1
- other 46,910 567 402 1.2 71 0.9 191 53
Residential mortgages 140,359 3,999 693 2.8 17 0.5 578 243
Personal lending 33,581 3,131 2,545 9.3 81 7.6 1,157 1,271
Property 42,455 3,287 818 7.7 25 1.9 739 98
Construction 8,680 610 222 7.0 36 2.6 189 38
Manufacturing 25,797 555 266 2.2 48 1.0 119 124
Service industries and business activities
-retail, wholesale and repairs 21,974 611 259 2.8 42 1.2 199 103
- transport and storage 15,946 112 40 0.7 36 0.3 40 35
- health, education and recreation 17,456 507 134 2.9 26 0.8 145 64
- hotels and restaurants 8,189 741 236 9.0 32 2.9 165 49
- utilities 7,098 22 3 0.3 14 — 1 —
- other 24,464 583 276 2.4 47 1.1 137 98
Agriculture, forestry and fishing 3,758 94 57 2.5 61 1.5 24 5
Finance leases and instalment credit 8,321 244 140 2.9 57 1.7 63 42
Interest accruals 831 — — — — — — —
Latent — — 1,649 — — — (5) —
469,633 15,207 7,866 3.2 52 1.7 3,737 2,224
of which:
UK
-residential mortgages 99,928 2,010 307 2.0 15 0.3 164 16
- personal lending 23,035 2,888 2,341 12.5 81 10.2 1,033 1,142
- property 34,970 2,454 500 7.0 20 1.4 394 43
- other 161,746 2,657 1,743 1.6 66 1.1 689 318
Europe
-residential mortgages 19,473 1,506 280 7.7 19 1.4 184 6
- personal lending 2,270 203 164 8.9 81 7.2 43 19
- property 5,139 631 240 12.3 38 4.7 241 1
- other 38,992 1,565 1,343 4.0 86 3.4 468 85
US
-residential mortgages 20,548 460 97 2.2 21 0.5 225 221
- personal lending 6,816 35 35 0.5 100 0.5 81 110
- property 1,611 144 43 8.9 30 2.7 84 54
- other 33,110 388 649 1.2 167 2.0 35 171
RoW
-residential mortgages 410 23 9 5.6 39 2.2 5 —
- personal lending 1,460 5 5 0.3 100 0.3 — —
- property 735 58 35 7.9 60 4.8 20 —
- other 19,390 180 75 0.9 42 0.4 71 38
Group before RFS MI 469,633 15,207 7,866 3.2 52 1.7 3,737 2,224
Business review Risk and balance sheet management continued