RBS 2012 Annual Report Download - page 228

226
Business review Risk and balance sheet management continued
Balance sheet analysis: REIL, provisions and AFS reserves continued
Sector and geographical regional analyses: Group
The following tables analyse gross loans and advances to banks and customers (excluding reverse repos) and the related debt management measures
and ratios by sector and geography (by location of lending office) for the Group, Core and Non-Core.
Credit metrics
2012
Gross
loans
£m
REIL
£m
Provisions
£m
REIL
as a % of
gross loans
%
Provisions
as a %
of REIL
%
Provisions
as a % of
gross loans
%
Impairment
charge
£m
Amounts
written-off
£m
Government (1) 9,853 — — — — — — —
Finance 42,198 592 317 1.4 54 0.8 145 380
Personal - mortgages 149,625 6,549 1,824 4.4 28 1.2 948 461
- unsecured 32,212 2,903 2,409 9.0 83 7.5 631 793
Property 72,219 21,223 9,859 29.4 46 13.7 2,212 1,080
Construction 8,049 1,483 640 18.4 43 8.0 94 182
Manufacturing 23,787 755 357 3.2 47 1.5 134 203
Finance leases (2) 13,609 442 294 3.2 67 2.2 44 263
Retail, wholesale and repairs 21,936 1,143 644 5.2 56 2.9 230 176
Transport and storage 18,341 834 336 4.5 40 1.8 289 102
Health, education and leisure 16,705 1,190 521 7.1 44 3.1 144 100
Hotels and restaurants 7,877 1,597 726 20.3 45 9.2 176 102
Utilities 6,631 118 21 1.8 18 0.3 (4)—
Other 30,057 2,177 1,240 7.2 57 4.1 322 395
Latent — — 1,960 — — — (73)—
453,099 41,006 21,148 9.1 52 4.7 5,292 4,237
of which:
UK
- residential mortgages 109,530 2,440 457 2.2 19 0.4 122 32
- personal lending 20,498 2,477 2,152 12.1 87 10.5 479 610
- property 53,730 10,521 3,944 19.6 37 7.3 964 490
- construction 6,507 1,165 483 17.9 41 7.4 100 158
- other 122,029 3,729 2,611 3.1 70 2.1 674 823
Europe
- residential mortgages 17,836 3,092 1,151 17.3 37 6.5 526 50
- personal lending 1,905 226 208 11.9 92 10.9 38 13
- property 14,634 10,347 5,766 70.7 56 39.4 1,264 441
- construction 1,132 289 146 25.5 51 12.9 (11) 12
- other 27,424 4,451 2,996 16.2 67 10.9 817 539
US
- residential mortgages 21,929 990 208 4.5 21 0.9 298 377
- personal lending 8,748 199 48 2.3 24 0.5 109 162
- property 3,343 170 29 5.1 17 0.9 (11) 83
- construction 388 8 1 2.1 13 0.3 — 12
- other 29,354 352 630 1.2 179 2.1 (86)149
RoW
- residential mortgages 330 27 8 8.2 30 2.4 2 2
- personal lending 1,061 1 1 0.1 100 0.1 5 8
- property 512 185 120 36.1 65 23.4 (5)66
- construction 22 21 10 95.5 48 45.5 5 —
- other 12,187 316 179 2.6 57 1.5 2 210
Group 453,099 41,006 21,148 9.1 52 4.7 5,292 4,237
Banks 31,394 134 114 0.4 85 0.4 23 29
For the notes to this table refer to page 234.