RBS 2013 Annual Report Download - page 317
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Business review Risk and balance sheet management
315
Impairment charge analysis
The table below analyses the impairment charge for loans and securities.
UK UK International Ulster US Total Central Total
Retail Corporate Wealth Banking Bank R&C R&C Markets items Core Non-Core Group
2013 £m £m £m £m £m £m £m £m £m £m £m £m
Individually assessed — 970 32 223 1,082 16 2,323 29 65 2,417 4,502 6,919
Collectively assessed 333 239 — — 580 189 1,341 — — 1,341 123 1,464
Latent loss (14) (21) (3) 2 112 (54) 22 1 — 23 21 44
Loans to customers 319 1,188 29 225 1,774 151 3,686 30 65 3,781 4,646 8,427
Loans to banks — — — (6) — — (6) (9) — (15) — (15)
Securities 5 — — 10 — 5 20 71 (1) 90 (70) 20
Charge to income statement 324 1,188 29 229 1,774 156 3,700 92 64 3,856 4,576 8,432
2012
Individually assessed — 554 42 136 457 15 1,204 28 1 1,233 1,936 3,169
Collectively assessed 544 317 — (1) 787 237 1,884 — — 1,884 312 2,196
Latent loss (15) (35) 4 (47) 120 (169) (142) (3) — (145) 72 (73)
Loans to customers 529 836 46 88 1,364 83 2,946 25 1 2,972 2,320 5,292
Loans to banks — — — 23 — — 23 — — 23 — 23
Securities — 2 — — — 8 10 12 39 61 (97) (36)
Charge to income statement 529 838 46 111 1,364 91 2,979 37 40 3,056 2,223 5,279
2011
Individually assessed — 612 24 233 637 64 1,570 10 — 1,580 3,615 5,195
Collectively assessed 798 392 — — 655 230 2,075 — — 2,075 516 2,591
Latent loss (10) (214) 1 (65) 92 (46) (242) (10) — (252) (293) (545)
Loans to customers 788 790 25 168 1,384 248 3,403 — — 3,403 3,838 7,241
Securities
- sovereign debt (1) — — — — — — — — 1,268 1,268 — 1,268
- other — 3 — — — 78 81 38 (2) 117 83 200
Charge to income statement 788 793 25 168 1,384 326 3,484 38 1,266 4,788 3,921 8,709
Note:
(1) Includes related interest rate hedge adjustments.