RBS 2013 Annual Report Download - page 258
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Business review Risk and balance sheet management
256
Credit risk continued
Key loan portfolios* continued
The table below analyses commercial real estate (Core and Non-Core) lending by loan-to-value ratio, which represents loan value before provisions
relative to the value of the property financed.
Ulster Bank Rest of the Group Group
Performing Non-performing Total Performing Non-performing Total Performing Non-performing Total
Commercial real estate
loan-to-value ratio £m £m £m £m £m £m £m £m £m
2013
<= 50% 124 23 147 7,884 262 8,146 8,008 285 8,293
> 50% and <= 70% 271 55 326 9,962 582 10,544 10,233 637 10,870
> 70% and <= 90% 282 89 371 3,699 1,272 4,971 3,981 1,361 5,342
> 90% and <= 100% 86 154 240 865 368 1,233 951 522 1,473
> 100% and <= 110% 121 212 333 690 627 1,317 811 839 1,650
> 110% and <= 130% 238 366 604 333 1,334 1,667 571 1,700 2,271
> 130% and <= 150% 102 438 540 267 1,161 1,428 369 1,599 1,968
> 150% 319 6,738 7,057 150 2,629 2,779 469 9,367 9,836
Total with LTVs 1,543 8,075 9,618 23,850 8,235 32,085 25,393 16,310 41,703
Minimal security (1) 6 3,144 3,150 54 13 67 60 3,157 3,217
Other (2) 144 1,351 1,495 5,230 933 6,163 5,374 2,284 7,658
Total 1,693 12,570 14,263 29,134 9,181 38,315 30,827 21,751 52,578
Total portfolio average LTV (3) 121% 376% 335% 61% 149% 84% 65% 261% 142%
2012 (4)
<= 50% 141 18 159 7,210 281 7,491 7,351 299 7,650
> 50% and <= 70% 309 58 367 12,161 996 13,157 12,470 1,054 13,524
> 70% and <= 90% 402 164 566 6,438 1,042 7,480 6,840 1,206 8,046
> 90% and <= 100% 404 137 541 1,542 2,145 3,687 1,946 2,282 4,228
> 100% and <= 110% 111 543 654 1,019 1,449 2,468 1,130 1,992 3,122
> 110% and <= 130% 340 619 959 901 1,069 1,970 1,241 1,688 2,929
> 130% and <= 150% 353 774 1,127 322 913 1,235 675 1,687 2,362
> 150% 1,000 7,350 8,350 595 1,962 2,557 1,595 9,312 10,907
Total with LTVs 3,060 9,663 12,723 30,188 9,857 40,045 33,248 19,520 52,768
Minimal security (1) 8 1,615 1,623 3 13 16 11 1,628 1,639
Other (2) 137 811 948 6,494 1,191 7,685 6,631 2,002 8,633
Total 3,205 12,089 15,294 36,685 11,061 47,746 39,890 23,150 63,040
Total portfolio average LTV (3) 136% 286% 250% 65% 125% 80% 71% 206% 122%
For notes to this table refer to the following page.
*unaudited