RBS 2012 Annual Report Download - page 236

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Business review Risk and balance sheet management continued
Balance sheet analysis: REIL, provisions and AFS reserves continued
Sector and geographical regional analyses: Non-Core continued
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) 1,671 — — — — — — —
Finance 7,791 562 193 7.2 34 2.5 7 88
Personal - mortgages 6,142 277 184 4.5 66 3.0 436 426
- unsecured 3,891 413 349 10.6 85 9.0 213 306
Property 47,948 16,297 5,918 34.0 36 12.3 3,943 911
Construction 3,425 1,854 653 54.1 35 19.1 341 108
Manufacturing 7,688 644 237 8.4 37 3.1 (211)1,423
Finance leases (2) 8,529 603 414 7.1 69 4.9 189 71
Retail, wholesale and repairs 3,191 546 313 17.1 57 9.8 135 58
Transport and storage 8,195 136 78 1.7 57 1.0 47 4
Health, education and leisure 1,975 548 185 27.7 34 9.4 14 135
Hotels and restaurants 1,492 528 268 35.4 51 18.0 156 57
Utilities 2,948 69 20 2.3 29 0.7 13 7
Other 8,115 966 534 11.9 55 6.6 248 213
Latent — — 1,005 — — — (116) —
113,001 23,443 10,351 20.7 44 9.2 5,415 3,807
of which:
UK
- residential mortgages 1,665 52 7 3.1 13 0.4 5 1
- personal lending 585 195 177 33.3 91 30.3 13 11
- property 30,789 5,532 1,719 18.0 31 5.6 1,152 354
- construction 2,383 1,211 422 50.8 35 17.7 223 81
- other 29,236 1,784 1,415 6.1 79 4.8 285 305
Europe
- residential mortgages 621 45 21 7.2 47 3.4 37 —
- personal lending 600 198 152 33.0 77 25.3 23 5
- property 12,636 9,903 3,959 78.4 40 31.3 2,587 209
- construction 873 600 223 68.7 37 25.5 103 3
- other 13,521 1,785 888 13.2 50 6.6 195 1,329
US
- residential mortgages 3,653 180 156 4.9 87 4.3 390 424
- personal lending 2,704 20 20 0.7 100 0.7 79 161
- property 3,318 621 159 18.7 26 4.8 237 166
- construction 78 43 8 55.1 19 10.3 20 24
- other 4,020 439 476 10.9 108 11.8 (131) 329
RoW
- residential mortgages 203 — — — — — 4 1
- personal lending 2 — — — — — 98 129
- property 1,205 241 81 20.0 34 6.7 (33) 182
- construction 91 — — — — — (5) —
- other 4,818 594 468 12.3 79 9.7 133 93
Group 113,001 23,443 10,351 20.7 44 9.2 5,415 3,807
Banks 1,654 1 1 0.1 100 0.1 (8) 11
Notes:
(1) Includes central and local government.
(2) Includes instalment credit.