RBS 2012 Annual Report Download - page 231

RBS GROUP 2012
229
Sector and geographical regional analyses: 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) 8,485 — — — — — — —
Finance 39,658 185 149 0.5 81 0.4 54 338
Personal - mortgages 146,770 6,229 1,691 4.2 27 1.2 786 234
- unsecured 31,247 2,717 2,306 8.7 85 7.4 568 718
Property 43,602 4,672 1,674 10.7 36 3.8 748 214
Construction 6,020 757 350 12.6 46 5.8 119 60
Manufacturing 22,234 496 225 2.2 45 1.0 118 63
Finance leases (2) 9,201 159 107 1.7 67 1.2 35 41
Retail, wholesale and repairs 20,842 791 439 3.8 55 2.1 181 129
Transport and storage 14,590 440 112 3.0 25 0.8 72 21
Health, education and leisure 15,770 761 299 4.8 39 1.9 109 67
Hotels and restaurants 6,891 1,042 473 15.1 45 6.9 138 56
Utilities 5,131 10 5 0.2 50 0.1 — —
Other 26,315 1,374 794 5.2 58 3.0 189 175
Latent — — 1,325 — — — (145) —
396,756 19,633 9,949 4.9 51 2.5 2,972 2,116
of which:
UK
- residential mortgages 109,511 2,440 457 2.2 19 0.4 122 32
- personal lending 20,443 2,454 2,133 12.0 87 10.4 474 594
- property 35,532 2,777 896 7.8 32 2.5 395 181
- construction 5,101 671 301 13.2 45 5.9 109 47
- other 108,713 2,662 1,737 2.4 65 1.6 499 379
Europe
- residential mortgages 17,446 3,060 1,124 17.5 37 6.4 521 24
- personal lending 1,540 143 138 9.3 97 9.0 29 11
- property 4,896 1,652 685 33.7 41 14.0 350 6
- construction 513 60 39 11.7 65 7.6 4 10
- other 22,218 2,280 1,711 10.3 75 7.7 362 267
US
- residential mortgages 19,483 702 102 3.6 15 0.5 141 176
- personal lending 8,209 119 34 1.4 29 0.4 65 112
- property 2,847 112 13 3.9 12 0.5 3 27
- construction 384 5 — 1.3 — — 1 3
- other 28,267 252 432 0.9 171 1.5 (111) 90
RoW
- residential mortgages 330 27 8 8.2 30 2.4 2 2
- personal lending 1,055 1 1 0.1 100 0.1 — 1
- property 327 131 80 40.1 61 24.5 — —
- construction 22 21 10 95.5 48 45.5 5 —
- other 9,919 64 48 0.6 75 0.5 1 154
Group 396,756 19,633 9,949 4.9 51 2.5 2,972 2,116
Banks 30,917 133 113 0.4 85 0.4 23 29
For the notes to this table refer to page 234.