RBS 2013 Annual Report Download - page 249
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Business review Risk and balance sheet management
247
Arrears status and provisions
The mortgage arrears information for retail accounts in forbearance and related provision are shown in the tables below.
No missed payments 1-3 months in arrears >3 months in arrears Total
Forborne
Balance Provision Balance Provision Balance Provision Balance Provision balances (1)
£m £m £m £m £m £m £m £m %
2013
UK Retail (2,3) 4,596 17 426 23 424 51 5,446 91 5.5
Ulster Bank (2,3) 1,362 166 631 76 789 323 2,782 565 14.6
RBS Citizens 287 26 33 3 53 — 373 29 1.9
Wealth 112 3 6 — 9 — 127 3 1.5
6,357 212 1,096 102 1,275 374 8,728 688 6.0
2012
UK Retail (2,3) 4,006 20 388 16 450 64 4,844 100 4.9
Ulster Bank (2,3) 915 100 546 60 527 194 1,988 354 10.4
RBS Citizens — — 179 25 160 10 339 35 1.6
Wealth 38 — — — 7 — 45 — 0.5
4,959 120 1,113 101 1,144 268 7,216 489 4.9
2011
UK Retail (2,3) 3,677 16 351 13 407 59 4,435 88 4.7
Ulster Bank (2,3) 893 78 516 45 421 124 1,830 247 9.1
RBS Citizens — — 91 10 89 10 180 20 0.8
Wealth 121 — — — 2 — 123 — 1.3
4,691 94 958 68 919 193 6,568 355 4.4
Notes:
(1) As a percentage of mortgage loans.
(2) Forbearance in UK Retail and Ulster Bank capture all instances where a change has been made to the contractual payment terms including those where the customer is up-to-date on payments and
there is no obvious evidence of financial difficulty.
(3) Includes the current stock position of forbearance deals agreed since early 2008 for UK Retail and early 2009 for Ulster Bank.