RBS 2012 Annual Report Download - page 232

230
Business review Risk and balance sheet management continued
Balance sheet analysis: REIL, provisions and AFS reserves continued
Sector and geographical regional analyses: Core continued
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) 8,359 — — — — — — —
Finance 48,598 745 579 1.5 78 1.2 207 44
Personal - mortgages 144,171 4,890 1,216 3.4 25 0.8 776 198
- unsecured 32,868 2,960 2,364 9.0 80 7.2 715 935
Property 42,994 4,132 1,133 9.6 27 2.6 469 167
Construction 7,197 841 286 11.7 34 4.0 179 143
Manufacturing 23,708 490 242 2.1 49 1.0 106 125
Finance leases (2) 8,440 172 110 2.0 64 1.3 31 68
Retail, wholesale and repairs 22,039 679 345 3.1 51 1.6 208 119
Transport and storage 16,581 342 60 2.1 18 0.4 47 29
Health, education and leisure 16,073 691 257 4.3 37 1.6 170 55
Hotels and restaurants 7,709 1,005 386 13.0 38 5.0 209 60
Utilities 6,557 22 1 0.3 5 — — —
Other 28,769 1,282 668 4.5 52 2.3 538 194
Latent — — 1,418 — — — (252) —
414,063 18,251 9,065 4.4 50 2.2 3,403 2,137
of which:
UK
- residential mortgages 104,965 2,210 420 2.1 19 0.4 174 24
- personal lending 21,881 2,680 2,179 12.2 81 10.0 657 828
- property 35,431 2,984 744 8.4 25 2.1 378 114
- construction 5,707 655 236 11.5 36 4.1 160 138
- other 114,878 2,571 1,648 2.2 64 1.4 366 398
Europe
- residential mortgages 18,393 2,121 664 11.5 31 3.6 437 10
- personal lending 1,972 143 125 7.3 87 6.3 (8) 22
- property 4,846 1,037 365 21.4 35 7.5 162 10
- construction 1,019 72 43 7.1 60 4.2 13 —
- other 24,414 2,430 1,806 10.0 74 7.4 915 183
US
- residential mortgages 20,311 526 120 2.6 23 0.6 162 164
- personal lending 7,505 136 59 1.8 43 0.8 66 85
- property 2,413 111 24 4.6 22 1.0 16 43
- construction 412 98 1 23.8 1 0.2 — 5
- other 34,971 345 583 1.0 169 1.7 26 96
RoW
- residential mortgages 502 33 12 6.6 36 2.4 3 —
- personal lending 1,510 1 1 0.1 100 0.1 — —
- property 304 — — — — — (87) —
- construction 59 16 6 27.1 38 10.2 6 —
- other 12,570 82 29 0.7 35 0.2 (43) 17
Group 414,063 18,251 9,065 4.4 50 2.2 3,403 2,137
Banks 43,374 136 122 0.3 90 0.3 — —
For the notes to this table refer to page 234.