RBS 2013 Annual Report Download - page 266
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Business review Risk and balance sheet management
264
Credit risk continued
Key loan portfolios* continued
The tables below analyse the Group’s retail mortgage and HELOC portfolios between interest only mortgages (excluding mixed repayment mortgages)
and other mortgage loans.
Interest only
Bullet principal Conversion to
repayment amortising Other Total
2013 £bn £bn £bn £bn
A
rrears status
Current 31.2 9.6 97.0 137.8
1 to 90 days in arrears 0.7 0.4 2.8 3.9
90+ days in arrears 0.6 0.3 4.1 5.0
Total 32.5 10.3 103.9 146.7
2012
A
rrears status
Current 34.4 10.0 94.4 138.8
1 to 90 days in arrears 0.6 0.4 3.3 4.3
90+ days in arrears 0.7 0.5 4.2 5.4
Total 35.7 10.9 101.9 148.5
Interest only Other Total
2013 £bn £bn £bn
Current LTV
<= 50% 10.8 26.3 37.1
> 50% and <= 70% 14.6 31.8 46.4
> 70% and <= 90% 10.8 28.6 39.4
> 90% and <= 100% 2.6 4.6 7.2
> 100% and <= 110% 1.5 2.8 4.3
> 110% and <= 130% 0.9 3.4 4.3
> 130% and <= 150% 0.5 2.5 3.0
> 150% 0.7 3.1 3.8
Total with LTVs 42.4 103.1 145.5
Other 0.4 0.8 1.2
Total 42.8 103.9 146.7
2012
Current LTV
<= 50% 10.3 22.9 33.2
> 50% and <= 70% 12.4 25.0 37.4
> 70% and <= 90% 13.6 31.2 44.8
> 90% and <= 100% 3.6 7.3 10.9
> 100% and <= 110% 2.4 4.0 6.4
> 110% and <= 130% 2.0 4.3 6.3
> 130% and <= 150% 0.8 2.4 3.2
> 150% 1.2 3.7 4.9
Total with LTVs 46.3 100.8 147.1
Other 0.3 1.1 1.4
Total 46.6 101.9 148.5
*unaudited