RBS 2013 Annual Report Download - page 149
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Business review
147
2013 2012 2011 2013 2012 2011
US$bn US$bn US$bn £bn £bn £bn
Capital and balance sheet
Loans and advances to customers (gross)
- residential mortgages 9.6 9.4 9.4 5.8 5.8 6.1
- home equity 20.1 21.5 23.1 12.1 13.3 14.9
- corporate and commercial 39.8 38.5 35.3 24.1 23.8 22.9
- other consumer 14.1 13.5 12.0 8.6 8.4 7.7
83.6 82.9 79.8 50.6 51.3 51.6
Loan impairment provisions (0.4) (0.5) (0.7) (0.3) (0.3) (0.5)
Net loans and advances to customers 83.2 82.4 79.1 50.3 51.0 51.1
Total third party assets 118.7 117.7 117.8 71.7 72.8 76.1
Investment securities 21.3 19.5 23.5 12.9 12.0 15.2
Risk elements in lending
- retail 1.5 1.3 1.0 0.9 0.8 0.6
- commercial 0.2 0.6 0.6 0.1 0.3 0.4
Total risk elements in lending 1.7 1.9 1.6 1.0 1.1 1.0
Provision coverage (1) 26% 25% 45% 26% 25% 45%
Customer deposits (excluding repos) 91.1 95.6 92.8 55.1 59.2 60.0
Bank deposits (excluding repos) 3.3 2.9 8.0 2.0 1.8 5.2
Loan:deposit ratio (excluding repos) 91% 86% 85% 91% 86% 85%
Risk-weighted assets
- credit risk
- non-counterparty 83.8 82.0 83.0 50.7 50.8 53.6
- counterparty 0.8 1.4 1.5 0.5 0.8 1.0
- operational risk 8.2 7.9 7.3 4.9 4.9 4.7
92.8 91.3 91.8 56.1 56.5 59.3
Spot exchange rate - US$/£ 1.654 1.616 1.548
Note:
(1) Provision coverage percentage represents loan impairment provisions as a percentage of risk elements in lending.