RBS 2012 Annual Report Download - page 202

200
Business review Risk and balance sheet management continued
Balance sheet analysis: Financial assets: Sector and geographic concentration continued
Lending Securities
Reverse
repos Core Non-Core Total Debt Equity Derivatives Other
Balance
sheet value
Non-IFRS
offset (1)
Exposure
post offset
2012 £m £m £m £m £m £m £m £m £m £m £m
Europe
Government (2) — 224 667 891 5,684 — 54 2 6,631 (15) 6,616
Financial institutions - banks (3) 375 2,961 190 3,151 4,016 8 55 23,181 30,786 (2) 30,784
- other (4) 20 1,390 300 1,690 7,222 309 95 134 9,470 — 9,470
Personal - mortgages — 17,446 390 17,836 — — — — 17,836 — 17,836
- unsecured — 1,540 365 1,905 — — — — 1,905 — 1,905
Property — 4,896 9,738 14,634 — 2 77 — 14,713 (5) 14,708
Construction — 513 619 1,132 — 6 — — 1,138 (21)1,117
Manufacturing — 4,771 660 5,431 94 26 25 1 5,577 (9) 5,568
Finance leases (5) — 292 172 464 — — — — 464 — 464
Retail, wholesale and repairs — 3,142 607 3,749 — 109 10 — 3,868 (22) 3,846
Transport and storage — 4,851 599 5,450 1 10 12 — 5,473 (5) 5,468
Health, education and leisure — 1,170 399 1,569 — 2 — — 1,571 (6) 1,565
Hotels and restaurants — 893 486 1,379 — — — — 1,379 (4) 1,375
Utilities — 993 499 1,492 6 112 65 20 1,695 — 1,695
Other — 4,492 817 5,309 39 201 44 32 5,625 (53) 5,572
Total gross of provisions 395 49,574 16,508 66,082 17,062 785 437 23,370 108,131 (142) 107,989
Provisions — (3,697) (6,570) (10,267) (438) — — — (10,705) n/a(10,705)
Total 395 45,877 9,938 55,815 16,624 785 437 23,370 97,426 (142) 97,284
RoW
Government (2) — 31 693 724 6,849 — 132 42 7,747 (91) 7,656
Financial institutions - banks (3) 4,528 4,110 140 4,250 961 111 24,639 1,210 35,699 (23,453) 12,246
- other (4) 4,226 2,221 75 2,296 565 84 4,515 425 12,111 (3,893) 8,218
Personal - mortgages — 330 — 330 — — — — 330 — 330
- unsecured — 1,055 6 1,061 — — — — 1,061 —1,061
Property — 327 185 512 219 8 53 — 792 — 792
Construction — 22 — 22 — 8 22 — 52 — 52
Manufacturing — 2,043 234 2,277 7 45 183 32 2,544 (9) 2,535
Finance leases (5) — 89 53 142 1 — 13 — 156 — 156
Retail, wholesale and repairs — 1,745 6 1,751 6 63 137 — 1,957 (121)1,836
Transport and storage — 259 127 386 94 11 481 — 972 (156) 816
Health, education and leisure — 248 139 387 — 4 13 — 404 — 404
Hotels and restaurants — 19 — 19 — — — — 19 — 19
Utilities — 429 188 617 27 19 178 — 841 —841
Other 1 2,835 753 3,588 88 98 416 — 4,191 (188) 4,003
Total gross of provisions 8,755 15,763 2,599 18,362 8,817 451 30,782 1,709 68,876 (27,911) 40,965
Provisions — (147) (171)(318) — — — — (318) n/a(318)
Total 8,755 15,616 2,428 18,044 8,817 451 30,782 1,709 68,558 (27,911) 40,647
For the notes to these tables refer to page 204.