RBS 2011 Annual Report Download - page 202
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200 RBS Group 2011
Risk management: Credit risk continued
Balance sheet analysis: REIL, provisions and reserves continued
Non-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 1,383 — — — — — — —
Finance
-banks 619 1 1 0.2 100 0.2 — —
- other 3,229 317 147 9.8 46 4.6 (118) 43
Residential mortgages 5,102 380 180 7.4 47 3.5 300 318
Personal lending 1,556 110 92 7.1 84 5.9 67 351
Property 38,064 17,969 7,861 47.2 44 20.7 3,200 1,004
Construction 2,672 1,102 475 41.2 43 17.8 (39) 101
Manufacturing 4,931 423 283 8.6 67 5.7 121 90
Service industries and business activities
- retail, wholesale and repairs 2,339 388 204 16.6 53 8.7 (28) 53
- transport and storage 5,477 264 94 4.8 36 1.7 31 14
- health, education and recreation 1,419 501 245 35.3 49 17.3 134 43
- hotels and restaurants 1,161 485 289 41.8 60 24.9 125 71
- utilities 1,849 66 22 3.6 33 1.2 3 3
- other 3,772 1,308 504 34.7 39 13.4 246 184
Agriculture, forestry and fishing 129 47 27 36.4 57 20.9 8 13
Finance leases and instalment credit 6,059 622 398 10.3 64 6.6 81 102
Interest accruals 116 — — — — — — —
Latent — — 647 — — — (293) —
79,877 23,983 11,469 30.0 48 14.4 3,838 2,390
of which:
UK
- residential mortgages 1,423 52 11 3.7 21 0.8 6 1
- personal lending 127 37 30 29.1 81 23.6 (12) 179
- property 24,610 5,405 2,291 22.0 42 9.3 1,034 377
- other 19,756 2,298 1,504 11.6 65 7.6 174 349
Europe
-residential mortgages 553 84 49 15.2 58 8.9 30 —
- personal lending 492 66 55 13.4 83 11.2 33 104
- property 11,538 12,035 5,384 104.3 45 46.7 2,134 497
- other 11,068 2,641 1,315 23.9 50 11.9 277 107
US
-residential mortgages 2,926 244 120 8.3 49 4.1 264 317
- personal lending 936 7 7 0.7 100 0.7 46 68
- property 1,370 218 68 15.9 31 5.0 (18) 95
- other 2,104 213 329 10.1 154 15.6 (192) 96
RoW
-residential mortgages 200 — — — — — — —
- personal lending 1 — — — — — — —
- property 546 311 118 57.0 38 21.6 50 35
- other 2,227 372 188 16.7 51 8.4 12 165
Group before RFS MI 79,877 23,983 11,469 30.0 48 14.4 3,838 2,390
Business review Risk and balance sheet management continued