RBS 2013 Annual Report Download - page 318
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Business review Risk and balance sheet management
316
Balance sheet analysis continued
REIL, provisions and AFS reserves continued
Non-Core (by donating division)
UK International Ulster US
Corporate Banking Bank R&C Other Total
2013 £m £m £m £m £m £m
Individually assessed 362 1,145 3,001 (6) — 4,502
Collectively assessed 11 —28 84 — 123
Latent loss (18) (36) (2) 78 (1) 21
Loans to customers 355 1,109 3,027 156 (1) 4,646
Securities — (70) — — — (70)
Charge to income statement 355 1,039 3,027 156 (1) 4,576
2012
Individually assessed 206 913 842 (25) — 1,936
Collectively assessed 71 —25 208 8 312
Latent loss (37) 1116 (6) (2) 72
Loans to customers 240 914 983 177 6 2,320
Securities — (97) — — — (97)
Charge to income statement 240 817 983 177 6 2,223
2011
Individually assessed 512 679 2,426 (3) 1 3,615
Collectively assessed 129 —29 372 (14) 516
Latent loss (113) —(106) (66) (8) (293)
Loans to customers 528 679 2,349 303 (21) 3,838
Securities — 78 — — 5 83
Charge to income statement 528 757 2,349 303 (16) 3,921
AFS reserves by issuer
The table below analyses available-for-sale debt securities and related reserves, gross of tax.
2013 2012 2011
UK US Other (1) Total UK US Other (1) Total UK US Other (1) Total
£m £m £m £m £m £m £m £m £m £m £m £m
Central and local government 6,436 12,880 10,303 29,619 9,774 19,046 16,155 44,975 13,436 20,848 25,552 59,836
Banks 492 92 5,390 5,974 1,085 357 7,419 8,861 1,391 376 11,408 13,175
Other financial institutions 2,335 8,327 6,668 17,330 2,861 10,613 10,416 23,890 3,100 17,453 11,199 31,752
Corporate 21 71 92 184 1,318 719 1,130 3,167 1,105 131 1,299 2,535
Total 9,284 21,370 22,453 53,107 15,038 30,735 35,120 80,893 19,032 38,808 49,458 107,298
Of which ABS 2,487 13,149 8,538 24,174 3,558 14,209 12,976 30,743 3,659 20,256 16,820 40,735
A
FS reserves (gross) 77 (22) (445) (390) 667 763 (1,277) 153 845 486 (1,815) (484)
Note:
(1) Includes eurozone countries as detailed in the Country risk section on pages 341 to 353.