RBS 2013 Annual Report Download - page 175
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Business review
173
2013 2012 2011
Gross of Gross o
f
Gross of
Balance Disposal disposal Balance Disposal disposal Balance Disposal disposal
sheet groups (1) groups sheet groups (2) groups sheet groups (3) groups
£m £m £m £m £m £m £m £m £m
Selected financial data
Gross loans and advances to
customers 415,978 1,774 417,752 451,224 1,875 453,099 473,872 20,196 494,068
Customer loan impairment provisions (25,153) (9) (25,162) (21,136) (12) (21,148) (19,760) (791) (20,551)
Net loans and advances to
customers (4) 390,825 1,765 392,590 430,088 1,863 431,951 454,112 19,405 473,517
Gross loans and advances to banks 27,618 22 27,640 29,282 2,112 31,394 43,993 87 44,080
Bank loan impairment provisions (63) — (63) (114) — (114) (123) — (123)
Net loans and advances to banks (4) 27,555 22 27,577 29,168 2,112 31,280 43,870 87 43,957
Total loan impairment provisions (25,216) (9) (25,225) (21,250) (12) (21,262) (19,883) (791) (20,674)
Customer REIL 39,322 — 39,322 40,993 13 41,006 40,708 1,549 42,257
Bank REIL 70 — 70 134 — 134 137 — 137
REIL 39,392 — 39,392 41,127 13 41,140 40,845 1,549 42,394
Gross unrealised gains on debt
securities 1,541 — 1,541 3,946 230 4,176 4,978 — 4,978
Gross unrealised losses on debt
securities (887) — (887) (1,832) (15) (1,847) (3,408) — (3,408)
Notes:
(1) Primarily investment in associate (Direct Line Group) and Illinois branches of RBS Citizens.
(2) Primarily Direct Line Group.
(3) Primarily UK branch-based businesses, RBS Aviation Capital which was sold in 2012, and the remainder of RBS Sempra Commodities JV.
(4) Excludes reverse repos.