RBS 2012 Annual Report Download - page 494

492
Additional information continued
Financial summary continued
2012 2011 2010 2009 2008
Closing customer provisions as a % of gross loans and advances to customers (3)
Domestic 3.2% 3.0% 2.9% 2.2% 1.4%
Foreign 5.0% 4.4% 3.4% 2.3% 1.1%
Total 4.1% 3.7% 3.2% 2.3% 1.2%
Customer charge to income statement as a % of gross loans and advances to customers (3)
Domestic 0.8% 1.1% 1.4% 1.8% 0.9%
Foreign 1.3% 1.6% 1.8% 2.0% 0.8%
Total 1.0% 1.4% 1.6% 1.9% 0.8%
Notes:
(1) Includes £23 million charge relating to loans and advances to banks (2011 - nil; 2010 - £13 million release; 2009 - £34 million charge; 2008 - £118 million charge).
(2) Includes closing provisions against loans and advances to banks of £114 million (2011 - £123 million; 2010 - £127 million; 2009 - £157 million; 2008 - £127 million).
(3) For the purpose of these ratios, closing customer provisions and customer charge relating to loans and advances to banks are excluded.
The following table shows additional information in respect of loan impairment provisions.
2012
£m
2011
£m
2010
£m
2009
£m
2008
£m
Loan impairment provisions at end of year
Customers 21,136 19,760 18,055 17,12610,889
Banks 114 123 127 157 127
21,250 19,883 18,182 17,283 11,016
Average loans and advances to customers (gross) 541,588 578,057 610,131 821,155 858,333
As a % of average loans and advances to customers during the year
Total customer provisions charged to income statement 1.0% 1.3% 1.5% 1.6% 0.7%
Amounts written-off (net of recoveries) - customers 0.7% 0.7% 0.9% 0.8% 0.3%
Analysis of closing customer loan impairment provisions
The following table analyses customer loan impairment provisions by geographical area and type of domestic customer.
2012 2011 2010 2009 2008
Closing
provision
% of
loans
to total
loans
Closing
provision
% of
loans
to total
loans
Closing
provision
% of
loans
to total
loans
Closing
provision
% of
loans
to total
loans
Closing
provision
% of
loans
to total
loans
£m % £m % £m % £m % £m %
Domestic
Central and local government — 0.7 — 0.9 — 0.7 — 0.4 — 0.3
Manufacturing 134 1.8 135 1.3 100 1.6 153 1.5 127 1.7
Construction 483 1.4 502 0.9 605 1.1 355 1.0 254 1.1
Finance 34 2.6 40 7.3 98 6.8 26 4.9 67 4.8
Service industries and
business activities 1,453 9.6 1,218 6.6 1,073 8.0 962 7.0 778 6.6
Agriculture, forestry and
fishing 34 0.5 36 0.5 27 0.5 20 0.4 19 0.3
Property 3,274 8.3 2,657 6.2 2,071 7.3 908 6.6 490 5.9
Residential mortgages 434 20.9 384 18.7 302 17.6 196 12.4 36 9.1
Personal lending 2,146 3.8 1,919 3.7 2,504 4.1 2,527 3.4 2,235 3.0
Finance leases and
instalment credit 184 2.0 366 2.1 435 2.3 341 2.2 194 2.0
Accrued interest — 0.1 — 0.1 — 0.1 — 0.1 — 0.3
Total domestic 8,176 51.7 7,257 48.3 7,215 50.1 5,488 39.9 4,200 35.1
Foreign 11,000 48.3 10,517 51.7 8,190 49.9 8,562 60.1 4,745 64.9
Impaired book provisions 19,176 100.0 17,774 100.0 15,405 100.0 14,050 100.0 8,945 100.0
Latent book provisions 1,960 1,986 2,650 3,076 1,944
Total provisions 21,136 19,760 18,055 17,126 10,889