RBS 2012 Annual Report Download - page 229

RBS GROUP 2012
227
Credit metrics
2011
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) 9,742 — — — — — — —
Finance 51,870 1,062 726 2.0 68 1.4 89 87
Personal - mortgages 149,273 5,270 1,396 3.5 26 0.9 1,076 516
- unsecured 34,424 3,070 2,456 8.9 80 7.1 782 1,286
Property 81,058 22,101 8,994 27.3 41 11.1 3,669 1,171
Construction 9,869 1,943 761 19.7 39 7.7 140 244
Manufacturing 28,639 913 525 3.2 58 1.8 227 215
Finance leases (2) 14,499 794 508 5.5 64 3.5 112 170
Retail, wholesale and repairs 24,378 1,067 549 4.4 51 2.3 180 172
Transport and storage 22,058 606 154 2.7 25 0.7 78 43
Health, education and leisure 17,492 1,192 502 6.8 42 2.9 304 98
Hotels and restaurants 8,870 1,490 675 16.8 45 7.6 334 131
Utilities 8,406 88 23 1.0 26 0.3 3 3
Other 33,490 2,661 1,217 7.9 46 3.6 792 391
Latent — — 2,065 — — — (545) —
494,068 42,257 20,551 8.6 49 4.2 7,241 4,527
of which:
UK
- residential mortgages 106,388 2,262 431 2.1 19 0.4 180 25
- personal lending 22,008 2,717 2,209 12.3 81 10.0 645 1,007
- property 60,041 11,147 3,837 18.6 34 6.4 1,411 493
- construction 7,589 1,427 560 18.8 39 7.4 187 228
- other 132,548 4,635 2,943 3.5 63 2.2 514 655
Europe
- residential mortgages 18,946 2,205 713 11.6 32 3.8 467 10
- personal lending 2,464 209 180 8.5 86 7.3 25 126
- property 16,384 10,314 4,947 63.0 48 30.2 2,296 504
- construction 1,754 362 185 20.6 51 10.5 (62) —
- other 34,497 4,261 2,873 12.4 67 8.3 1,267 293
US
- residential mortgages 23,237 770 240 3.3 31 1.0 426 481
- personal lending 8,441 143 66 1.7 46 0.8 112 153
- property 3,783 329 92 8.7 28 2.4 (2) 139
- construction 457 121 10 26.5 8 2.2 9 16
- other 37,015 517 895 1.4 173 2.4 (175) 180
RoW
- residential mortgages 702 33 12 4.7 36 1.7 3 —
- personal lending 1,511 1 1 0.1 100 0.1 — —
- property 850 311 118 36.6 38 13.9 (36) 35
- construction 69 33 6 47.8 18 8.7 6 —
- other 15,384 460 233 3.0 51 1.5 (32) 182
Group 494,068 42,257 20,551 8.6 49 4.2 7,241 4,527
Banks 44,080 137 123 0.3 90 0.3 — —
For the notes to this table refer to page 234.