RBS 2011 Annual Report Download - page 203
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RBS Group 2011 201
Non-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 1,671 — — — — — — —
Finance
-banks 1,003 1 1 0.1 100 0.1 (8) 11
- other 7,651 562 193 7.3 34 2.5 7 88
Residential mortgages 6,142 277 184 4.5 66 3.0 436 426
Personal lending 3,891 413 349 10.6 85 9.0 213 306
Property 47,651 16,297 5,918 34.2 36 12.4 3,943 911
Construction 3,352 1,854 653 55.3 35 19.5 341 108
Manufacturing 6,520 644 237 9.9 37 3.6 (211) 1,423
Service industries and business activities
-retail, wholesale and repairs 3,191 546 313 17.1 57 9.8 135 58
- transport and storage 8,195 136 78 1.7 57 1.0 47 4
- health, education and recreation 1,865 548 185 29.4 34 9.9 14 135
- hotels and restaurants 1,492 528 268 35.4 51 18.0 156 57
- utilities 2,110 69 20 3.3 29 0.9 13 7
- other 5,530 855 473 15.5 55 8.6 241 212
Agriculture, forestry and fishing 135 58 29 43.0 50 21.5 7 1
Finance leases and instalment credit 8,529 603 414 7.1 69 4.9 189 71
Interest accruals 278 — — — — — — —
Latent — — 1,001 — — — (116) —
109,206 23,391 10,316 21.4 44 9.4 5,407 3,818
of which:
UK
-residential mortgages 1,665 52 7 3.1 13 0.4 5 1
- personal lending 585 195 177 33.3 91 30.3 13 11
- property 30,492 5,532 1,719 18.1 31 5.6 1,152 354
- other 30,188 2,995 1,837 9.9 61 6.1 508 386
Europe
-residential mortgages 621 45 21 7.2 47 3.4 37 —
- personal lending 600 198 152 33.0 77 25.3 23 5
- property 12,636 9,903 3,959 78.4 40 31.3 2,587 209
- other 14,388 2,385 1,111 16.6 47 7.7 295 1,338
US
-residential mortgages 3,653 180 156 4.9 87 4.3 390 424
- personal lending 2,704 20 20 0.7 100 0.7 79 161
- property 3,318 621 159 18.7 26 4.8 237 166
- other 3,670 482 484 13.1 100 13.2 (111) 353
RoW
-residential mortgages 203 — — — — — 4 1
- personal lending 2 — — — — — 98 129
- property 1,205 241 81 20.0 34 6.7 (33) 182
- other 3,276 542 433 16.5 80 13.2 123 98
Group before RFS MI 109,206 23,391 10,316 21.4 44 9.4 5,407 3,818