RBS 2012 Annual Report Download - page 67

RBS GROUP 2012
65
Impairment losses/(recoveries) by division 2012
£m
2011
£m
2010
£m
UK Retail 529 788 1,160
UK Corporate 838 793 767
Wealth 46 25 18
International Banking 111 168 86
Ulster Bank 1,364 1,384 1,161
US Retail & Commercial 91 326 519
Retail & Commercial 2,979 3,484 3,711
Markets 37 38 65
Central items 40 (2) 4
Core 3,056 3,520 3,780
Non-Core 2,223 3,919 5,476
Group 5,279 7,439 9,256
Net interest margin by division 2012
%
2011
%
2010
%
UK Retail 3.58 3.95 3.89
UK Corporate 3.06 3.06 2.89
Wealth 3.73 3.23 3.26
International Banking 1.64 1.73 1.92
Ulster Bank 1.88 1.87 2.03
US Retail & Commercial 3.00 3.06 2.82
Retail & Commercial 2.92 2.97 2.91
Non-Core 0.31 0.63 1.02
Group net interest margin 1.93 1.92 2.01
Risk-weighted assets by division 2012
£bn
2011
£bn
2010
£bn
UK Retail 45.7 48.4 48.8
UK Corporate 86.3 79.3 84.2
Wealth 12.3 12.9 12.5
International Banking 51.9 43.2 51.7
Ulster Bank 36.1 36.3 31.6
US Retail & Commercial 56.5 59.3 57.4
Retail & Commercial 288.8 279.4 286.2
Markets 101.3 120.3 110.3
Other 5.8 12.0 18.0
Core 395.9 411.7 414.5
Non-Core 60.4 93.3 153.7
Group before benefit of Asset Protection Scheme 456.3 505.0 568.2
Benefit of Asset Protection Scheme — (69.1) (105.6)
Group before RFS Holdings minority interest 456.3 435.9 462.6
RFS Holdings minority interest 3.3 3.1 2.9
Group 459.6 439.0 465.5