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Business review Risk and balance sheet management
207
RWA density
The table below analyses EAD, RWAs and related RWA density by sector cluster.
EAD RWAs
Off- On- Off- RWA density (3)
EAD post CRM (1) On-balance Off- balance balance balance EAD
Non-CCR Drawn sheet Undrawn balance sheet sheet Undrawn sheet EAD drawn
credit risk CCR (2) Total balance EAD Undrawn EAD sheet EAD RWAs RWAs RWAs RWAs post CRM balance
2013 £m £m £m £m £m £m £m £m £m £m £m £m £m % %
Sovereign
Central banks 82,015 12,145 94,160 92,727 94,073 75,537 3 — 84 1,469 1,468 — 1 2 2
Central
government 25,394 947 26,341 25,551 26,238 594 102 3 1 2,448 2,439 9 — 9 9
Other sovereign 9,560 1,288 10,848 11,788 10,405 1,759 401 47 42 1,600 1,535 59 615 15
Total sovereign 116,969 14,380 131,349 130,066 130,716 77,890 506 50 127 5,517 5,442 68 74 4
Financial institutions (FI)
Banks 23,744 16,743 40,487 45,878 33,948 20,787 1,147 5,419 5,392 12,611 10,574 357 1,680 31 31
Other FI 37,679 19,814 57,493 47,640 49,158 19,865 5,056 3,510 3,279 24,331 20,803 2,140 1,388 42 42
SPVs (4) 20,416 3,671 24,087 22,127 21,661 2,584 2,419 7 7 8,016 7,209 805 233 33
Total FI 81,839 40,228 122,067 115,645 104,767 43,236 8,622 8,936 8,678 44,958 38,586 3,302 3,070 37 37
Corporates
Property
- Western Europe
- UK 50,675 2,346 53,021 49,644 47,222 10,587 5,057 870 742 27,792 24,752 2,651 389 52 52
- Ireland 10,295 150 10,445 10,903 10,184 435 228 71 33 5,796 5,652 126 18 55 55
- Other 7,913 994 8,907 8,705 7,706 3,433 730 1,032 471 5,067 4,384 415 268 57 57
- US 7,469 184 7,653 5,797 5,839 3,790 1,468 466 346 6,872 5,243 1,318 311 90 90
- RoW 3,291 605 3,896 3,199 3,320 1,281 268 575 308 3,070 2,617 211 242 79 79
Total property 79,643 4,279 83,922 78,248 74,271 19,526 7,751 3,014 1,900 48,597 42,648 4,721 1,228 58 57
Natural
resources 28,242 3,987 32,229 21,150 19,599 37,292 8,750 5,014 3,880 18,021 10,960 4,892 2,169 56 56
Transport 32,017 2,684 34,701 28,773 27,893 14,837 4,680 3,328 2,128 24,387 19,603 3,289 1,495 70 70
Manufacturing 31,426 998 32,424 24,029 21,256 31,132 8,700 3,785 2,468 21,206 13,902 5,690 1,614 65 65
Retail and leisure 30,473 1,245 31,718 28,429 25,301 17,161 4,923 1,786 1,494 25,893 20,655 4,018 1,220 82 82
Services 30,168 1,305 31,473 28,548 26,291 9,722 3,866 1,553 1,316 24,354 20,345 2,991 1,018 77 77
TMT (5) 14,911 861 15,772 15,811 10,127 15,933 4,609 1,578 1,036 10,668 6,849 3,118 701 68 68
Total corporates 246,880 15,359 262,239 224,988 204,738 145,603 43,729 20,058 14,222 173,126 134,962 28,719 9,445 66 66
Personal
Mortgages
- Western Europe
- UK 118,311 — 118,311 108,690 108,700 9,796 9,570 41 41 17,679 16,243 1,430 615 15
- Ireland 17,181 — 17,181 16,841 16,841 62 340 — — 16,120 15,800 320 —94 94
- Other 709 — 709 687 688 20 21 — — 227 220 7 —32 32
- US 19,838 — 19,838 19,753 19,782 9,913 56 — — 9,771 9,744 27 —49 49
- RoW 638 — 638 599 599 46 39 — — 157 147 10 —25 25
Total mortgages 156,677 — 156,677 146,570 146,610 19,837 10,026 41 41 43,954 42,154 1,794 628 29
Other personal 47,826 53 47,879 30,030 29,187 40,829 18,135 634 557 25,989 15,843 9,844 302 54 54
Total personal 204,503 53 204,556 176,600 175,797 60,666 28,161 675 598 69,943 57,997 11,638 308 34 33
Other items 23,872 73 23,945 21,945 2,000 19,859 18,200 1,659 83 83
Total 674,063 70,093 744,156 647,299 637,963 327,395 80,568 29,719 25,625 313,403 255,187 43,727 14,489 42 40
For the notes to this table refer to the following page.
*unaudited