RBS 2012 Annual Report Download - page 193

RBS GROUP 2012
191
Credit metrics
Gross
loans REIL Provisions
REIL
as a % of
gross loans
Provisions
as a % of
REIL
Provisions
as a % of
gross loans
Impairment
charge
Amounts
written-off
Sector analysis £m £m £m % % % £m £m
2011
Core
Mortgages 20,020 2,184 945 10.9 43 4.7 570 11
Commercial real estate
- investment 3,882 1,014 413 26.1 41 10.6 225 —
- development 881 290 145 32.9 50 16.5 99 16
Other corporate 7,736 1,834 1,062 23.7 58 13.7 434 72
Other lending 1,533 201 184 13.1 92 12.0 56 25
34,052 5,523 2,749 16.2 50 8.1 1,384 124
Non-Core
Commercial real estate
- investment 3,860 2,916 1,364 75.5 47 35.3 609 1
- development 8,490 7,536 4,295 88.8 57 50.6 1,551 32
Other corporate 1,630 1,159 642 71.1 55 39.4 173 16
13,980 11,611 6,301 83.1 54 45.1 2,333 49
Ulster Bank Group
Mortgages 20,020 2,184 945 10.9 43 4.7 570 11
Commercial real estate
- investment 7,742 3,930 1,777 50.8 45 23.0 834 1
- development 9,371 7,826 4,440 83.5 57 47.4 1,650 48
Other corporate 9,366 2,993 1,704 32.0 57 18.2 607 88
Other lending 1,533 201 184 13.1 92 12.0 56 25
48,032 17,134 9,050 35.7 53 18.8 3,717 173
2010
Core
Mortgages 21,162 1,566 439 7.4 28 2.1 294 7
Commercial real estate
- investment 4,284 598 332 14.0 56 7.7 259 —
- development 1,090 65 37 6.0 57 3.4 116 —
Other corporate 9,039 1,205 667 13.3 55 7.4 444 11
Other lending 1,282 185 158 14.4 85 12.3 48 30
36,857 3,619 1,633 9.8 45 4.4 1,161 48
Non-Core
Mortgages — — — — — — 42 —
Commercial real estate
- investment 3,854 2,391 1,000 62.0 42 25.9 630 —
- development 8,760 6,341 2,783 72.4 44
31.8 1,759 —
Other corporate 1,970 1,310 561 66.5 43 28.5 251 —
14,584 10,042 4,344 68.9 43 29.8 2,682 —
Ulster Bank Group
Mortgages 21,162 1,566 439 7.4 28 2.1 336 7
Commercial real estate
- investment 8,138 2,989 1,332 36.7 45 16.4 889 —
- development 9,850 6,406 2,820 65.0 44 28.6 1,875 —
Other corporate 11,009 2,515 1,228 22.8 49 11.2 695 11
Other lending 1,282 185 158 14.4 85 12.3 48 30
51,441 13,661 5,977 26.6 44 11.6 3,843 48