RBS 2013 Annual Report Download - page 132
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Business review
130
Divisional performance continued
2013 2012 2011
Impairment losses/(recoveries) by division £m £m £m
UK Retail 324 529 788
UK Corporate 1,188 838 793
Wealth 29 46 25
International Banking 229 111 168
Ulster Bank 1,774 1,364 1,384
US Retail & Commercial 156 91 326
Retail & Commercial 3,700 2,979 3,484
Markets 92 37 38
Central items 64 40 (2)
Core 3,856 3,056 3,520
Non-Core 4,576 2,223 3,917
Group 8,432 5,279 7,437
Of which RCR related (1) 4,490 — —
2013 2012 2011
Net interest margin by division % %%
UK Retail 3.57 3.58 3.95
UK Corporate 3.07 3.06 3.06
Wealth 3.56 3.73 3.23
International Banking 1.59 1.64 1.73
Ulster Bank 1.91 1.88 1.87
US Retail & Commercial 2.95 2.97 3.03
Retail & Commercial 2.94 2.92 2.96
Non-Core (0.19) 0.31 0.60
Group net interest margin 2.01 1.92 1.89
2013 2012 2011
Risk-weighted assets by division £bn £bn £bn
UK Retail 43.9 45.7 48.4
UK Corporate 86.1 86.3 79.3
Wealth 12.0 12.3 12.9
International Banking 49.0 51.9 43.2
Ulster Bank 30.7 36.1 36.3
US Retail & Commercial 56.1 56.5 59.3
Retail & Commercial 277.8 288.8 279.4
Markets 64.5 101.3 120.3
Other 10.1 5.8 12.0
Core 352.4 395.9 411.7
Non-Core 29.2 60.4 93.3
Group before benefit of Asset Protection Scheme 381.6 456.3 505.0
Benefit of Asset Protection Scheme — —(69.1)
Group before RFS Holdings minority interest 381.6 456.3 435.9
RFS Holdings minority interest 3.9 3.3 3.1
Group 385.5 459.6 439.0
Note:
(1) Pertaining to the creation of RCR and related strategy.