RBS 2012 Annual Report Download - page 234

232
Business review Risk and balance sheet management continued
Balance sheet analysis: REIL, provisions and AFS reserves continued
Sector and geographical regional analyses: Non-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) 1,368 — — — — — — —
Finance 2,540 407 168 16.0 41 6.6 91 42
Personal - mortgages 2,855 320 133 11.2 42 4.7 162 227
- unsecured 965 186 103 19.3 55 10.7 63 75
Property 28,617 16,551 8,185 57.8 49 28.6 1,464 866
Construction 2,029 726 290 35.8 40 14.3 (25) 122
Manufacturing 1,553 259 132 16.7 51 8.5 16 140
Finance leases (2) 4,408 283 187 6.4 66 4.2 9 222
Retail, wholesale and repairs 1,094 352 205 32.2 58 18.7 49 47
Transport and storage 3,751 394 224 10.5 57 6.0 217 81
Health, education and leisure 935 429 222 45.9 52 23.7 35 33
Hotels and restaurants 986 555 253 56.3 46 25.7 38 46
Utilities 1,500 108 16 7.2 15 1.1 (4) —
Other 3,742 803 446 21.5 56 11.9 133 220
Latent — — 635 — — — 72 —
56,343 21,373 11,199 37.9 52 19.9 2,320 2,121
of which:
UK
- residential mortgages 19 — — — — — — —
- personal lending 55 23 19 41.8 83 34.5 5 16
- property 18,198 7,744 3,048 42.6 39 16.7 569 309
- construction 1,406 494 182 35.1 37 12.9 (9) 111
- other 13,316 1,067 874 8.0 82 6.6 175 444
Europe
- residential mortgages 390 32 27 8.2 84 6.9 5 26
- personal lending 365 83 70 22.7 84 19.2 9 2
- property 9,738 8,695 5,081 89.3 58 52.2 914 435
- construction 619 229 107 37.0 47 17.3 (15) 2
- other 5,206 2,171 1,285 41.7 59 24.7 455 272
US
- residential mortgages 2,446 288 106 11.8 37 4.3 157 201
- personal lending 539 80 14 14.8 18 2.6 44 50
- property 496 58 16 11.7 28 3.2 (14) 56
- construction 4 3 1 75.0 33 25.0 (1)9
- other 1,087 100 198 9.2 198 18.2 25 59
RoW
- personal lending 6 — — — — — 5 7
- property 185 54 40 29.2 74 21.6 (5) 66
- other 2,268 252 131 11.1 52 5.8 1 56
Group 56,343 21,373 11,199 37.9 52 19.9 2,320 2,121
Banks 477 1 1 0.2 100 0.2 — —
For the notes to this table refer to page 234.