RBS 2013 Annual Report Download - page 313
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Business review Risk and balance sheet management
311
UK UK International Ulster US Retail &
Retail Corporate Wealth Banking Bank Commercial Markets Core Non-Core Total
£m £m £m £m £m £m £m £m £m £m
A
t 1 January 2012 4,599 5,001 211 1,632 5,523 1,007 414 18,387 24,007 42,394
Currency translation and other
adjustments 53 (6) (1) (227) (115) (47) 184 (159) (487) (646)
A
dditions 1,771 4,362 111 286 3,299 660 56 10,545 5,800 16,345
Transfers (1) (33) 7 — (110) — — 6 (130) 70 (60)
Transfer to performing book — (133) (8) (624) — — (75) (840) (1,035) (1,875)
Repayments (1,222) (3,265) (50) (90) (1,102) (83) (80) (5,892) (4,860) (10,752)
A
mounts written-off (599) (514) (15) (445) (72) (391) (109) (2,145) (2,121) (4,266)
A
t 31 December 2012 4,569 5,452 248 422 7,533 1,146 396 19,766 21,374 41,140
Non-Core (by donating divisions)
UK International Ulster US Retail
Corporate Banking Bank & Commercial Other Total
£m £m £m £m £m £m
A
t 1 January 2012 3,685 8,051 11,675 486 110 24,007
Currency translation and other adjustments (57) (104) (231) (20) (75) (487)
A
dditions 1,542 2,210 1,713 323 12 5,800
Transfers (1) 11 59 — — — 70
Transfer to performing book (171) (863) — — (1) (1,035)
Repayments (1,798) (1,379) (1,618) (62) (3) (4,860)
A
mounts written-off (590) (1,067) (140) (309) (15) (2,121)
A
t 31 December 2012 2,622 6,907 11,399 418 28 21,374
Note:
(1) Represents transfers between REIL and potential problem loans.
REIL and PPLs summary
The table below analyses REIL between UK and overseas, based on the location of the lending office.
2013 2012 2011
Core Non-Core Total Core Non-Core Total Core Non-Core Total
£m £m £m £m £m £m £m £m £m
Impaired loans
- UK 9,288 8,193 17,481 9,332 9,081 18,413 9,754 10,580 20,334
- overseas 9,145 10,545 19,690 8,219 11,867 20,086 6,839 12,885 19,724
18,433 18,738 37,171 17,551 20,948 38,499 16,593 23,465 40,058
A
ccruing loans past due 90 days or more
- UK 1,709 253 1,962 1,759 248 2,007 1,430 508 1,938
- overseas 236 23 259 456 178 634 364 34 398
1,945 276 2,221 2,215 426 2,641 1,794 542 2,336
Total REIL 20,378 19,014 39,392 19,766 21,374 41,140 18,387 24,007 42,394
REIL as a % of gross loans and advances (1) 5.3% 52.4% 9.4% 4.9% 38.2% 9.1% 4.4% 30.1% 8.6%
Provisions as a % of REIL 56% 73% 64% 51% 52% 52% 50% 48% 49%
Note:
(1) Includes disposal groups and excludes reverse repos.