RBS 2012 Annual Report Download - page 238

236
Business review Risk and balance sheet management continued
Balance sheet analysis: REIL, provisions and AFS reserves continued
REIL and PPLs summary
The table below analyses REIL between UK and overseas, based on the location of the lending office.
2012 2011 2010
Core
£m
Non-Core
£m
Total
£m
Core
£m
Non-Core
£m
Total
£m
Core
£m
Non-Core
£m
Total
£m
Impaired loans
- UK 9,332 9,081 18,413 9,754 10,580 20,334 8,575 7,835 16,410
- overseas 8,219 11,867 20,086 6,839 12,885 19,724 4,936 14,408 19,344
17,551 20,948 38,499 16,593 23,465 40,058 13,511 22,243 35,754
Accruing loans past due 90 days or more
- UK 1,759 248 2,007
1,430 508 1,938 1,434 939
2,373
- overseas 456 178 634 364 34 398 262 262 524
2,215 426 2,641 1,794 542 2,336 1,696 1,201 2,897
Total REIL 19,766 21,374 41,140 18,387 24,007 42,394 15,207 23,444 38,651
REIL as a % of gross loans and advances (1) 4.9% 38.2% 9.1% 4.4% 30.1% 8.6% 3.7% 20.8% 7.3%
Provisions as a % of REIL 51% 52% 52% 50% 48% 49% 52% 44% 47%
Note:
(1) Includes disposal groups but excludes reverse repos.
Past due analysis
The table below shows loans and advances to customers that were past due at the balance sheet date but are not considered impaired.
2012 2011 2010
Core Non-Core Total Core Non-Core Total Core Non-Core Total
£m £m £m £m £m £m £m £m £m
Past due 1-29 days 5,349 250 5,599 5,722 724 6,446 6,401 822 7,223
Past due 30-59 days 1,062 55 1,117 1,556 171 1,727 1,725 392 2,117
Past due 60-89 days 1,151 26 1,177 975 107 1,082 922 271 1,193
Past due 90 days or more 2,215 426 2,641 1,794 542 2,336 1,696 1,201 2,897
9,777 757 10,534 10,047 1,544 11,591 10,744 2,686 13,430
Impairment provisions flow statement
The movement in loan impairment provisions by division is shown in the table below.
UK
Retail
UK
Corporate Wealth
International
Banking
Ulster
Bank
US
R&C (1)
Total
R&C (1)Markets
Central
Items
Total
Core Non-Core RFS MI Group
£m £m £m £m £m £m £m £m £m £m £m £m £m
At 1 January 2012 2,679 2,061 81 851 2,749 455 8,876 311 — 9,187 11,487 — 20,674
Currency translation
and other adjustments 12 87 — (131) (54) 53 (33) 77 — 44 (369) — (325)
Disposal of subsidiaries — — — — — — — — — — (1) (4) (5)
Amounts written-off (599) (514) (15) (445) (72) (391) (2,036) (109) — (2,145) (2,121) — (4,266)
Recoveries of amounts
previously written-off 96 18 — 9 2 85 210 1 — 211 130 — 341
Charged to income statement
- continuing operations 529 836 46 111 1,364 83 2,969 25 1 2,995 2,320 — 5,315
- discontinued operations — — — — — — — — — — — 4 4
Unwind of discount (2) (88) (56) (3) (4) (79) — (230) — — (230) (246) — (476)
At 31 December 2012 2,629 2,432 109 391 3,910 285 9,756 305 1 10,062 11,200 — 21,262
Individually assessed
- banks — — — 6 — — 6 107 — 113 1 — 114
- customers — 1,024 96 270 1,213 46 2,649 189 1 2,839 9,805 — 12,644
Collectively assessed 2,439 1,111 — — 2,110 125 5,785 — — 5,785 757 — 6,542
Latent 190 297 13 115 587 114 1,316 9 — 1,325 637 — 1,962
2,629 2,432 109 391 3,910 285 9,756 305 1 10,062 11,200 — 21,262
For the notes to these tables refer to page 238.