RBS 2012 Annual Report Download - page 235
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RBS GROUP 2012
233
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) 1,383 — — — — — — —
Finance 3,272 317 147 9.7 46 4.5 (118) 43
Personal - mortgages 5,102 380 180 7.4 47 3.5 300 318
- unsecured 1,556 110 92 7.1 84 5.9 67 351
Property 38,064 17,969 7,861 47.2 44 20.7 3,200 1,004
Construction 2,672 1,102 475 41.2 43 17.8 (39) 101
Manufacturing 4,931 423 283 8.6 67 5.7 121 90
Finance leases (2) 6,059 622 398 10.3 64 6.6 81 102
Retail, wholesale and repairs 2,339 388 204 16.6 53 8.7 (28) 53
Transport and storage 5,477 264 94 4.8 36 1.7 31 14
Health, education and leisure 1,419 501 245 35.3 49 17.3 134 43
Hotels and restaurants 1,161 485 289 41.8 60 24.9 125 71
Utilities 1,849 66 22 3.6 33 1.2 3 3
Other 4,721 1,379 549 29.2 40 11.6 254 197
Latent — — 647 — — — (293) —
80,005 24,006 11,486 30.0 48 14.4 3,838 2,390
of which:
UK
- residential mortgages 1,423 52 11 3.7 21 0.8 6 1
- personal lending 127 37 30 29.1 81 23.6 (12) 179
- property 24,610 8,163 3,093 33.2 38 12.6 1,033 379
- construction 1,882 772 324 41.0 42 17.2 27 90
- other 17,670 2,064 1,295 11.7 63 7.3 148 257
Europe
- residential mortgages 553 84 49 15.2 58 8.9 30 —
- personal lending 492 66 55 13.4 83 11.2 33 104
- property 11,538 9,277 4,582 80.4 49 39.7 2,134 494
- construction 735 290 142 39.5 49 19.3 (75) —
- other 10,083 1,831 1,067 18.2 58 10.5 352 110
US
- residential mortgages 2,926 244 120 8.3 49 4.1 264 317
- personal lending 936 7 7 0.7 100 0.7 46 68
- property 1,370 218 68 15.9 31 5.0 (18) 96
- construction 45 23 9 51.1 39 20.0 9 11
- other 2,044 172 312 8.4 181 15.3 (201) 84
RoW
- residential mortgages 200 — — — — — — —
- personal lending 1 — — — — — — —
- property 546 311 118 57.0 38 21.6 51 35
- construction 10 17 — 170.0 — — — —
- other 2,814 378 204 13.4 54 7.2 11 165
Group 80,005 24,006 11,486 30.0 48 14.4 3,838 2,390
Banks 706 1 1 0.1 100 0.1 — —
For the notes to this table refer to page 234.