RBS 2012 Annual Report Download - page 204

202
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
2011 £m £m £m £m £m £m £m £m £m £m £m
Europe
Government (2) — 116 715 831 13,362 — 60 — 14,253 — 14,253
Financial institutions - banks (3) 247 8,361 250 8,611 10,859 78 — 6,725 26,520 — 26,520
- other (4) — 2,534 474 3,008 4,521165 289 90 8,073 (1) 8,072
Personal - mortgages — 18,393 553 18,946 — — — — 18,946 — 18,946
- unsecured — 1,972 492
2,464 — — — 28 2,492 — 2,492
Property — 4,846 11,538 16,384 — — 168 — 16,552 (9) 16,543
Construction — 1,019 735 1,754 — 22 18 — 1,794 (24) 1,770
Manufacturing — 4,383 3,732 8,115 57 5 23 — 8,200 (9) 8,191
Finance leases (5) — 260 435 695 — — — — 695 — 695
Retail, wholesale and repairs — 3,992 772 4,764 16 2 23 — 4,805 (24) 4,781
Transport and storage — 5,667 862 6,529 143 — 15 — 6,687 (6) 6,681
Health, education and leisure — 1,235 349 1,584 164 5 2 — 1,755 (8) 1,747
Hotels and restaurants — 892 535 1,427 — — 6 — 1,433 (6) 1,427
Utilities — 1,569 530
2,099 124 3 85 — 2,311 —2,311
Other 7 3,766 1,679 5,445 568 70 35 — 6,125 (56) 6,069
Total gross of provisions 254 59,005 23,651 82,656 29,814 350 724 6,843 120,641 (143) 120,498
Provisions — (3,003) (5,895) (8,898) (1,218) — — — (10,116) n/a(10,116)
Total 254 56,002 17,756 73,758 28,596 350 724 6,843 110,525 (143) 110,382
RoW
Government (2) 117 54 629 683 11,414— 190 92 12,496 — 12,496
Financial institutions - banks (3) 6,605 4,767 198 4,965 2,886 135 30,700 2,849 48,140 (27,897) 20,243
- other (4) 1,956 4,051 96 4,147 268 100 — 592 7,063 — 7,063
Personal - mortgages — 502 200 702 — — — — 702 — 702
- unsecured — 1,510 1 1,511 — — — — 1,511 —1,511
Property — 304 546 850 269 15 61 1 1,196 — 1,196
Construction — 59 10 69 9 2 22 — 102 — 102
Manufacturing — 2,395 322 2,717 7 13 1,052 306 4,095 — 4,095
Finance leases (5) — 91 26 117 127 — 2 — 246 — 246
Retail, wholesale and repairs — 1,276 28 1,304 3 34 96 — 1,437 — 1,437
Transport and storage — 366 239 605 225 6 443 — 1,279 (35) 1,244
Health, education and leisure — 358 225 583 — 4 34 — 621 —621
Hotels and restaurants — 25 — 25 — 2 — — 27 — 27
Utilities — 1,479 369 1,848 13 22 94 — 1,977 — 1,977
Other 12 2,475 880 3,355 127 259 861 2 4,616 — 4,616
Total gross of provisions 8,690 19,712 3,769 23,481 15,348 592 33,555 3,842 85,508 (27,932) 57,576
Provisions — (48) (322) (370) — — — — (370) n/a(370)
Total 8,690 19,664 3,447 23,111 15,348 592 33,555 3,842 85,138 (27,932) 57,206
For the notes to these tables refer to page 204.