RBS 2012 Annual Report Download - page 230

228
Business review Risk and balance sheet management continued
Balance sheet analysis: REIL, provisions and AFS reserves continued
Sector and geographical regional analyses: Group continued
Credit metrics
2010
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) 8,452 — — — — — — —
Finance 54,952 1,129 595 2.1 53 1.1 198 141
Personal - mortgages 146,501 4,276 877 2.9 21 0.6 1,014 669
- unsecured 37,472 3,544 2,894 9.5 82 7.7 1,370 1,577
Property 90,403 19,584 6,736 21.7 34 7.5 4,682 1,009
Construction 12,105 2,464 875 20.4 36 7.2 530 146
Manufacturing 33,485 1,199 503 3.6 42 1.5 (92) 1,547
Finance leases (2) 16,850 847 554 5.0 65 3.3 252 113
Retail, wholesale and repairs 25,165 1,157 572 4.6 49 2.3 334 161
Transport and storage 24,141 248 118 1.0 48 0.5 87 39
Health, education and leisure 19,431 1,055 319 5.4 30 1.6 159 199
Hotels and restaurants 9,681 1,269 504 13.1 40 5.2 321 106
Utilities 10,046 91 23 0.9 25 0.2 14 7
Other 37,168 1,643 863 4.4 53 2.3 409 316
Latent — — 2,658 — — — (121)—
525,852 38,506 18,091 7.3 47 3.4 9,157 6,030
of which:
UK
- residential mortgages 101,593 2,062 314 2.0 15 0.3 169 17
- personal lending 23,620 3,083 2,518 13.1 82 10.7 1,046 1,153
- property 65,759 7,986 2,219 12.1 28 3.4 1,546 397
- construction 9,424 1,747 605 18.5 35 6.4 371 110
- other 142,651 3,815 2,895 2.7 76 2.0 826 594
Europe
- residential mortgages 20,094 1,551 301 7.7 19 1.5 221 6
- personal lending 2,870 401 316 14.0 79 11.0 66 24
- property 17,775 10,534 4,199 59.3 40 23.6 2,828 210
- construction 1,887 667 255 35.3 38 13.5 138 2
- other 41,280 3,229 2,156 7.8 67 5.2 633 1,414
US
- residential mortgages 24,201 640 253 2.6 40 1.0 615 645
- personal lending 9,520 55 55 0.6 100 0.6 160 271
- property 4,929 765 202 15.5 26 4.1 321 220
- construction 520 50 15 9.6 30 2.9 26 34
- other 35,868 820 1,118 2.3 136 3.1 (102) 490
RoW
- residential mortgages 613 23 9 3.8 39 1.5 9 1
- personal lending 1,462 5 5 0.3 100 0.3 98 129
- property 1,940 299 116 15.4 39 6.0 (13) 182
- construction 274 — — — — — (5) —
- other 19,572 774 540 4.0 70 2.8 204 131
Group 525,852 38,506 18,091 7.3 47 3.4 9,157 6,030
Banks 58,689 145 127 0.2 88 0.2 (13) 12
For the notes to this table refer to page 234.