RBS 2012 Annual Report Download - page 166

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Business review Risk and balance sheet management continued
Credit risk assets* continued
Sector and geographical regional analyses
The table below details credit risk assets by sector and geographical region. Sectors are based on the Group’s sector concentration framework.
Geographical region is based on country of incorporation.
2012 (4)
UK
£m
Western
Europe
(excl. UK)
£m
North
America
£m
Asia
Pacific
£m
Latin
America
£m
Other (1)
£m
Total
£m
Core
£m
Non-Core
£m
Personal 129,431 19,256 30,664 1,351 39 926 181,667 177,880 3,787
Banks 5,023 36,573 6,421 8,837 1,435 2,711 61,000 60,609 391
Other financial institutions 20,997 13,398 10,189 2,924 4,660 789 52,957 47,425 5,532
Sovereign (2) 38,870 26,002 14,265 2,887 64 1,195 83,283 81,636 1,647
Property 54,831 23,220 7,051 1,149 2,979 1,280 90,510 56,566 33,944
Natural resources 6,103 5,911 6,758 4,129 690 1,500 25,091 21,877 3,214
Manufacturing 9,656 5,587 6,246 2,369 572 1,213 25,643 24,315 1,328
Transport (3) 12,298 5,394 4,722 5,065 2,278 4,798 34,555 26,973 7,582
Retail and leisure 17,229 5,200 4,998 1,103 270 658 29,458 26,203 3,255
Telecoms, media and technology 4,787 3,572 3,188 1,739 127 346 13,759 10,815 2,944
Business services 17,089 3,183 5,999 581 780 154 27,786 26,190 1,596
316,314 147,296 100,501 32,134 13,894 15,570 625,709 560,489 65,220
2011
Personal 126,945 20,254 33,087 1,604 158 1,114 183,162 176,201 6,961
Banks 4,720 39,213 3,95211,132 1,738 3,276 64,031 63,470561
Other financial institutions 16,549 15,960 13,3193,103 5,837 1,159 55,927 45,54810,379
Sovereign (2) 21,053 31,374 31,3913,399 78 1,581 88,876 87,6171,259
Property 60,099 27,281 8,0521,370 3,471 1,480 101,753 58,32343,430
Natural resources 6,552 7,215 8,1163,805 1,078 2,508 29,274 25,1464,128
Manufacturing 9,583 7,391 7,098 2,126 1,011 1,381 28,590 26,5252,065
Transport (3) 13,789 7,703 4,9515,433 2,500 5,363 39,739 27,52912,210
Retail and leisure 22,775 6,101 5,7621,488 1,041 675 37,842 32,766 5,076
Telecoms, media and technology 5,295 4,941 3,202 1,944 139 609 16,130 12,1803,950
Business services 17,851 3,719 6,205910 629 206 29,520 26,8302,690
305,211 171,152 125,135 36,314 17,680 19,352 674,844 582,135 92,709
2010
Personal 124,594 21,973 34,9701,864 126 1,531 185,058 174,287 10,771
Banks 6,819 35,619 5,097 11,072 1,394 6,713 66,714 65,4941,220
Other financial institutions 17,550 14,782 14,773 4,200 8,732 1,762 61,799 47,22714,572
Sovereign (2) 20,209 24,826 18,088 3,243 125 1,789 68,280 66,556 1,724
Property 65,622 30,925 9,573 1,980 3,090 1,750 112,940 60,59052,350
Natural resources 6,696 7,863 9,7713,655 1,396 4,143 33,524 24,4279
,097
Manufacturing 10,599 8,532 6,744 2,673 917 2,059 31,524 28,088 3,436
Transport (3) 13,842 8,726 5,389 6,161 2,658 6,347 43,123 27,899 15,224
Retail and leisure 24,716 6,690 5,3161,438 1,174 918 40,252 34,100 6,152
Telecoms, media and technology 5,495 5,764 3,283 2,187 328 786 17,843 12,076 5,767
Business services 19,757 5,116 6,521 985 1,086 385 33,850 28,7805,070
315,899 170,816 119,525 39,458 21,026 28,183 694,907 569,524 125,383
Notes:
(1) Includes Central and Eastern Europe, the Middle East, Central Asia and Africa, and supranationals such as the World Bank.
(2) Includes central bank exposures.
(3) Excludes net investment in operating leases in shipping and aviation portfolios as they are accounted for as property, plant and equipment. However, operating leases are included in the monitoring
and management of these portfolios.
(4) Enhancements to Wealth credit systems in the second quarter of 2012 resulted in refinements to sector classifications. The most significant impact has been a reallocation of £2.6 billion from the
retail and leisure sector across a number of other sectors. Prior year data has not been revised.
*unaudited