RBS 2012 Annual Report Download - page 226

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Business review Risk and balance sheet management continued
Balance sheet analysis: continued
REIL, provisions and AFS reserves
Risk elements in lending (REIL) comprises impaired loans and accruing loans past due 90 days or more as to principal or interest. Impaired loans are all
loans (including renegotiated loans) for which an impairment provision has been established; for collectively assessed loans, impairment loss provisions
are not allocated to individual loans and the entire portfolio is included in impaired loans. Accruing loans past due 90 days or more comprise loans past
due 90 days where no impairment loss is expected and those awaiting individual assessment. A latent provision is established for the latter.
Divisional analysis
The following tables analyse gross loans and advances to banks and customers (excluding reverse repos) and the related debt management measures
and ratios by division.
Credit metrics
Gross loans to
Banks Customers REIL Provisions
REIL as a %
of gross loans
to customers
Provisions
as a %
of REIL
Impairment
charge
Amounts
written-off
2012 £m £m £m £m % % £m £m
UK Retail 695 113,599 4,569 2,629 4.0 58 529 599
UK Corporate 746 107,025 5,452 2,432 5.1 45 836 514
Wealth 1,545 17,074 248 109 1.5 44 46 15
International Banking 4,827 42,342 422 391 1.0 93 111 445
Ulster Bank 632 32,652 7,533 3,910 23.1 52 1,364 72
US Retail & Commercial 435 51,271 1,146 285 2.2 25 83 391
Retail & Commercial 8,880 363,963 19,370 9,756 5.3 50 2,969 2,036
Markets 16,805 29,787 396 305 1.3 77 25 109
Direct Line Group and other 5,232 3,006 — 1 — — 1 —
Core 30,917 396,756 19,766 10,062 5.0 51 2,995 2,145
Non-Core 477 56,343 21,374 11,200 37.9 52 2,320 2,121
Group 31,394 453,099 41,140 21,262 9.1 52 5,315 4,266
2011
UK Retail 628 110,659 4,599 2,679 4.2 58 788 823
UK Corporate 806 110,729 5,001 2,061 4.5 41 790 658
Wealth 2,422 16,913 211 81 1.2 38 25 11
International Banking 3,411 57,729 1,632 851 2.8 52 168 125
Ulster Bank 2,079 34,052 5,523 2,749 16.2 50 1,384 124
US Retail & Commercial 208 51,562 1,007 455 2.0 45 248 373
Retail & Commercial 9,554 381,644 17,973 8,876 4.7 49 3,403 2,114
Markets 29,991 31,490 414 311 1.3 75 — 23
Direct Line Group and other 3,829 929 — — — — — —
Core 43,374 414,063 18,387 9,187 4.4 50 3,403 2,137
Non-Core 706 80,005 24,007 11,487 30.0 48 3,838 2,390
Group 44,080 494,068 42,394 20,674 8.6 49 7,241 4,527