RBS 2014 Annual Report Download - page 152
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17
RBS – Interim Results 2015
Appendix 1 Capital and risk management
Credit risk
Credit risk is the risk of financial loss due to the failure of a customer or counterparty to meet its obligation to
settle outstanding amounts. For a description of the bank’s credit risk framework, governance, policies and
methodologies refer to Capital and risk management - Credit risk in the 2014 Annual Report and Accounts.
Loans and related credit metrics
The tables below show gross loans and advances (excluding reverse repos) and related credit metrics by
segment. Risk elements in lending (REIL) comprise impaired loans and accruing loans past due 90 days or
more as to principal or interest. Impaired loans are all loans (including loans subject to forbearance) for
which an impairment provision has been established. For collectively-assessed loans, impairment loss
provisions are not allocated to individual loans and the entire portfolio is included in impaired loans. Accruing
loans past due 90 days or more comprise loans past due 90 days where no impairment loss is expected.
Credit metrics
REIL as a % Provisions YTD
of gross Provisions as a % o
f
Impairment YTD
Gross loans to Gross loans to loans to as a % gross loans losses/ Amounts
Banks Customers REIL Provisions customers of REIL to customers (releases) written-of
f
30 June 2015 £m £m £m £m % % % £m £m
UK PBB 1,023 130,688 3,232 2,131 2.5 66 1.6 (17) 439
Ulster Bank 2,495 22,603 4,190 2,410 18.5 58 10.7 (52) 46
PBB 3,518 153,291 7,422 4,541 4.8 61 3.0 (69) 485
Commercial Banking 510 91,009 2,284 898 2.5 39 1.0 27 120
Private Banking 1,176 13,520 150 47 1.1 31 0.3 (3) 1
CPB 1,686 104,529 2,434 945 2.3 39 0.9 24 121
CIB 13,717 57,956 221 143 0.4 65 0.2 (29) 28
Central items 2,385 2,039 1 1 -100 - (2) -
CFG 1,438 61,960 1,240 532 2.0 43 0.9 89 156
RCR 567 11,006 7,396 5,141 67.2 69 46.7 (355) 4,981
23,311 390,781 18,714 11,303 4.8 60 2.9 (342) 5,771
31 December 2014
UK PBB 641 129,848 3,778 2,604 2.9 69 2.0 268 728
Ulster Bank 1,381 24,719 4,775 2,711 19.3 57 11.0 (365) 131
PBB 2,022 154,567 8,553 5,315 5.5 62 3.4 (97) 859
Commercial Banking 486 86,008 2,506 955 2.9 38 1.1 77 436
Private Banking 972 16,599 226 76 1.4 34 0.5 (5) 37
CPB 1,458 102,607 2,732 1,031 2.7 38 1.0 72 473
CIB 16,910 72,957 197 206 0.3 105 0.3 (7) -
Central items 2,178 619 7 6 1.1 86 1.0 (12) 55
CFG 1,728 60,142 1,330 536 2.2 40 0.9 194 300
RCR 516 21,909 15,400 10,946 70.3 71 50.0 (1,320) 3,591
24,812 412,801 28,219 18,040 6.8 64 4.4 (1,170) 5,278