RBS 2011 Annual Report Download - page 437

RBS Group 2011 435
Analysis of loans and advances to customers
The following table analyses loans and advances to customers before impairment provisions by remaining maturity, geographical area and type of
customer.
Within
1year
£m
After 1 year
but within
5years
£m
After
5years
£m
2011
Total
£m
2010
£m
2009
£m
2008
£m
2007
£m
UK
Central and local government 2,836 33 1,748 4,617 3,919 3,174 3,091 3,135
Finance 35,598 2,445 1,115 39,158 38,975 36,283 42,432 70,006
Residential mortgages 2,397 4,963 93,016 100,376 101,157 92,583 80,967 73,916
Personal lending 12,386 3,797 3,619 19,802 23,236 25,254 26,989 28,186
Property 12,218 13,527 9,909 35,654 41,957 48,895 52,127 50,051
Construction 2,911 1,319 774 5,004 6,340 7,780 10,171 10,202
Manufacturing 4,848 1,375 860 7,083 9,111 11,432 15,074 13,452
Service industries and business activities 14,752 9,437 11,175 35,364 45,685 51,855 58,638 53,965
Agriculture, forestry and fishing 987 325 1,193 2,505 2,758 2,913 2,972 2,473
Finance leases and instalment credit 2,789 4,846 3,581 11,216 13,374 16,186 17,363 15,632
Accrued interest 361 5 57 423 558 992 2,463 2,344
Total domestic 92,083 42,072 127,047 261,202 287,070 297,347 312,287 323,362
Overseas residents 49,565 26,880 13,498 89,943 87,750 89,891 119,656 98,845
Total UK offices 141,648 68,952 140,545 351,145 374,820 387,238 431,943 422,207
Overseas
US 33,446 31,854 25,031 90,331 90,753 93,569 126,277 135,059
Rest of the World 42,004 23,193 28,693 93,890 107,742 264,712 327,391 277,721
Total Overseas offices 75,450 55,047 53,724 184,221 198,495 358,281 453,668 412,780
Loans and advances to customers - gross 217,098 123,999 194,269 535,366 573,315 745,519 885,611 834,987
Loan impairment provisions (19,760) (18,055) (17,126) (10,889) (6,449)
Loans and advances to customers - net 515,606 555,260 728,393 874,722 828,538
Fixed rate 30,924 23,452 47,752 102,128 110,364 238,756 183,693 351,336
Variable rate 186,174 100,547 146,517 433,238 462,951 506,763 701,918 483,651
Loans and advances to customers - gross 217,098 123,999 194,269 535,366 573,315 745,519 885,611 834,987