RBS 2013 Annual Report Download - page 210
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Business review Risk and balance sheet management
208
Capital management* continued
RWA density continued
EAD
Off- EAD post
EAD post CRM (1) Drawn balance CRM RWA
Non-CCR CCR (2) Total balance Undrawn sheet RWAs density (3)
2012 £m £m £m £m £m £m £m %
Sovereign
Central banks 78,154 13,242 91,396 88,724 65,168 — 2,977 3
Central government 37,694 1,353 39,047 37,752 1,298 10 4,190 11
Other sovereign 7,151 2,675 9,826 9,679 4,656 75 1,657 17
Total sovereign 122,999 17,270 140,269 136,155 71,122 85 8,824 6
Financial institutions (FI)
Banks 26,887 37,382 64,269 61,624 43,078 5,558 21,669 34
Other FI 42,726 31,488 74,214 58,294 20,359 3,265 25,361 34
SPVs (4) 32,531 7,768 40,299 33,944 6,280 12 12,893 32
Total financial institutions 102,144 76,638 178,782 153,862 69,717 8,835 59,923 34
Corporates
Property
- Western Europe
- UK 57,017 5,460 62,477 57,168 10,953 867 40,366 65
- Ireland 10,943 220 11,163 11,218 393 86 5,624 50
- Other 11,117 1,718 12,835 12,024 3,427 1,234 11,729 91
- US 8,021 391 8,412 6,605 3,527 458 7,633 91
- RoW 5,092 1,100 6,192 5,096 1,254 749 4,438 72
Total property 92,190 8,889 101,079 92,111 19,554 3,394 69,790 69
Natural resources 30,651 4,704 35,355 21,690 38,319 5,609 20,349 58
Transport 36,145 5,023 41,168 34,557 14,384 3,381 26,492 64
Manufacturing 32,458 1,690 34,148 25,941 30,483 4,270 23,733 70
Retail and leisure 33,569 2,042 35,611 30,387 16,669 1,903 27,511 77
Services 30,334 2,033 32,367 26,193 9,967 1,957 25,326 78
TMT (5) 15,716 2,518 18,234 158,576 15,561 1,926 13,622 75
Total corporates 271,063 26,899 297,962 389,455 144,937 22,440 206,823 69
Personal
Mortgages
- Western Europe
- UK 117,709 —117,709 108,581 9,423 — 18,206 15
- Ireland 17,258 —17,258 16,939 45 — 16,929 98
- Other 763 —763 742 20 — 250 33
- US 21,716 —21,716 21,614 10,587 — 11,289 52
- RoW 761 —761 724 37 — 221 29
Total mortgages 158,207 —158,207 148,600 20,112 — 46,895 30
Other personal 50,291 22 50,313 32,141 40,435 146 28,127 56
Total personal 208,498 22 208,520 180,741 60,547 146 75,022 36
Other items 26,670 73 26,743 20,496 77
Total 731,374 120,902 852,276 860,213 346,323 31,506 371,088 44
Notes:
(1) CRM: Credit risk mitigation.
(2) CCR: Counterparty credit risk.
(3) RWA density represents RWAs as a percentage of EAD.
(4) SPVs: Special purpose vehicles.
(5) TMT: Telecoms, media and technology.
*unaudited