RBS 2012 Annual Report Download - page 241

RBS GROUP 2012
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Impairment charge analysis
The table below analyses the impairment charge for loans and securities.
UK
Retail
UK
Corporate Wealth
International
Banking
Ulster
Bank
US
R&C (1)
Total
R&C (1)Markets
Central
Items
Total
Core Non-Core Group
2012 £m £m £m £m £m £m £m £m £m £m £m £m
Individually assessed — 554 42 136 457 15 1,205 28 1 1,233 1,936 3,169
Collectively assessed 544 317 — (1) 787 237 1,884 — — 1,884 312 2,196
Latent loss (15) (35) 4 (47) 120 (169) (143) (3) — (145) 72 (73)
Loans to customers 529 836 46 88 1,364 83 2,946 25 1 2,972 2,320 5,292
Loans to banks — — — 23 — — 23 — — 23 — 23
Securities - other — 2 — — — 8 10 12 39 61(97) (36)
Charge to income statement 529 838 46 111 1,364 91 2,979 37 40 3,056 2,223 5,279
2011
Individually assessed —612 24 233 637 64 1,570 10 — 1,580 3,615 5,195
Collectively assessed 798 392 — — 655 230 2,075 — — 2,075 516 2,591
Latent loss (10) (213) 1 (65) 92 (46) (241)(11) — (252) (293) (545)
Loans to customers 788 791 25 168 1,384 248 3,404 (1) — 3,403 3,838 7,241
Securities
- sovereign debt (2) — — — — — — — — 1,268 1,268 — 1,268
- other — 2 — — — 78 80 39 (2) 117 83 200
Charge to income statement 788 793 25 168 1,384 326 3,484 38 1,266 4,788 3,921 8,709
Notes:
(1) Retail & Commercial.
(2) Includes related interest rate hedge instruments.
Non-Core (by donating division)
UK
Corporate
International
Banking
Ulster
Bank
US
R&C (1)Other Total
2012 £m £m £m £m £m £m
Individually assessed 206 913 842 (25) — 1,936
Collectively assessed 71 — 25 208 8 312
Latent loss (37) 1 116 (6) (2) 72
Loans to customers 240 914 983 177 6 2,320
Securities — (97) — — — (97)
Charge to income statement 240 817 983 177 6 2,223
2011
Individually assessed 512 679 2,426 (3) 1 3,615
Collectively assessed 129 — 29 372 (14) 516
Latent loss (113) — (106) (66) (8) (293)
Loans to customers 528 679 2,349 303 (21) 3,838
Securities — 78 — — 5 83
Charge to income statement 528 757 2,349 303 (16) 3,921
Notes:
(1) Retail & Commercial.