RBS 2012 Annual Report Download - page 233

RBS GROUP 2012
231
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) 6,781 — — — — — — —
Finance 47,161 567 402 1.2 71 0.9 191 53
Personal - mortgages 140,359 3,999 693 2.8 17 0.5 578 243
- unsecured 33,581 3,131 2,545 9.3 81 7.6 1,157 1,271
Property 42,455 3,287 818 7.7 25 1.9 739 98
Construction 8,680 610 222 7.0 36 2.6 189 38
Manufacturing 25,797 555 266 2.2 48 1.0 119 124
Finance leases (2) 8,321 244 140 2.9 57 1.7 63 42
Retail, wholesale and repairs 21,974 611 259 2.8 42 1.2 199 103
Transport and storage 15,946 112 40 0.7 36 0.3 40 35
Health, education and leisure 17,456 507 134 2.9 26 0.8 145 64
Hotels and restaurants 8,189 741 236 9.0 32 2.9 165 49
Utilities 7,098 22 3 0.3 14 — 1 —
Other 29,053 677 329 2.3 49 1.1 161 103
Latent — — 1,653 — — — (5) —
412,851 15,063 7,740 3.6 51 1.9 3,742 2,223
of which:
UK
- residential mortgages 99,928 2,010 307 2.0 15 0.3 164 16
- personal lending 23,035 2,888 2,341 12.5 81 10.2 1,033 1,142
- property 34,970 2,454 500 7.0 20 1.4 394 43
- construction 7,041 536 183 7.6 34 2.6 148 29
- other 113,415 2,031 1,480 1.8 73 1.3 541 289
Europe
- residential mortgages 19,473 1,506 280 7.7 19 1.4 184 6
- personal lending 2,270 203 164 8.9 81 7.2 43 19
- property 5,139 631 240 12.3 38 4.7 241 1
- construction 1,014 67 32 6.6 48 3.2 35 (1)
- other 27,759 1,444 1,268 5.2 88 4.6 438 85
US
- residential mortgages 20,548 460 97 2.2 21 0.5 225 221
- personal lending 6,816 35 35 0.5 100 0.5 81 110
- property 1,611 144 43 8.9 30 2.7 84 54
- construction 442 7 7 1.6 100 1.6 6 10
- other 31,848 381 642 1.2 169 2.0 29 161
RoW
- residential mortgages 410 23 9 5.6 39 2.2 5 —
- personal lending 1,460 5 5 0.3 100 0.3 — —
- property 735 58 35 7.9 60 4.8 20 —
- construction 183 — — — — — — —
- other 14,754 180 72 1.2 40 0.5 71 38
Group 412,851 15,063 7,740 3.6 51 1.9 3,742 2,223
Banks 57,033 144 126 0.3 88 0.2 (5) 1
For the notes to this table refer to page 234.