RBS 2014 Annual Report Download - page 154

Download and view the complete annual report

Please find page 154 of the 2014 RBS annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.

Page out of 199

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • 16
  • 17
  • 18
  • 19
  • 20
  • 21
  • 22
  • 23
  • 24
  • 25
  • 26
  • 27
  • 28
  • 29
  • 30
  • 31
  • 32
  • 33
  • 34
  • 35
  • 36
  • 37
  • 38
  • 39
  • 40
  • 41
  • 42
  • 43
  • 44
  • 45
  • 46
  • 47
  • 48
  • 49
  • 50
  • 51
  • 52
  • 53
  • 54
  • 55
  • 56
  • 57
  • 58
  • 59
  • 60
  • 61
  • 62
  • 63
  • 64
  • 65
  • 66
  • 67
  • 68
  • 69
  • 70
  • 71
  • 72
  • 73
  • 74
  • 75
  • 76
  • 77
  • 78
  • 79
  • 80
  • 81
  • 82
  • 83
  • 84
  • 85
  • 86
  • 87
  • 88
  • 89
  • 90
  • 91
  • 92
  • 93
  • 94
  • 95
  • 96
  • 97
  • 98
  • 99
  • 100
  • 101
  • 102
  • 103
  • 104
  • 105
  • 106
  • 107
  • 108
  • 109
  • 110
  • 111
  • 112
  • 113
  • 114
  • 115
  • 116
  • 117
  • 118
  • 119
  • 120
  • 121
  • 122
  • 123
  • 124
  • 125
  • 126
  • 127
  • 128
  • 129
  • 130
  • 131
  • 132
  • 133
  • 134
  • 135
  • 136
  • 137
  • 138
  • 139
  • 140
  • 141
  • 142
  • 143
  • 144
  • 145
  • 146
  • 147
  • 148
  • 149
  • 150
  • 151
  • 152
  • 153
  • 154
  • 155
  • 156
  • 157
  • 158
  • 159
  • 160
  • 161
  • 162
  • 163
  • 164
  • 165
  • 166
  • 167
  • 168
  • 169
  • 170
  • 171
  • 172
  • 173
  • 174
  • 175
  • 176
  • 177
  • 178
  • 179
  • 180
  • 181
  • 182
  • 183
  • 184
  • 185
  • 186
  • 187
  • 188
  • 189
  • 190
  • 191
  • 192
  • 193
  • 194
  • 195
  • 196
  • 197
  • 198
  • 199

19
RBS – Interim Results 2015
Appendix 1 Capital and risk management
Loans and related credit metrics: Risk elements in lending
RBS
UK Ulste
r
Commercial Private Central excluding
PBB Bank Banking Banking CIB items CFG RCR RCR Total
£m £m £m £m £m £m £m £m £m £m
At 1 January 2015 3,778 4,775 2,506 226 197 7 1,330 12,819 15,400 28,219
Currency translation
and other adjustments (17) (384) 91 (80) (18) (6) (5) (419) (784) (1,203)
A
dditions 687 294 397 10 90 - 140 1,618 692 2,310
Transfers (1) (121) - 4 1 -- - (116) (5) (121)
Transfers to
performing book (162) (41) (93) - -- - (296) (28) (324)
Repayments
and disposals (494) (408) (501) (6) (20) - (69) (1,498) (2,898) (4,396)
A
mounts written-off (439) (46) (120) (1) (28) - (156) (790) (4,981) (5,771)
At 30 June 2015 3,232 4,190 2,284 150 221 1 1,240 11,318 7,396 18,714
Note:
(1) Represents transfers between REIL and potential problem loans.
Impairment provisions
The movement in loan impairment provisions by segment is shown in the table below.
RBS
UK Ulste
r
Commercial Private Central excluding
PBB Bank Banking Banking CIB items CFG RCR RCR Total
£m £m £m £m £m £m £m £m £m £m
At 1 January 2015 2,604 2,711 955 76 206 6536 7,094 10,946 18,040
Currency translation
and other adjustments (7) (209) 37 (24) (10) (3) (5) (221) (466) (687)
Disposal of subsidiaries - -- - - -(1) (1) - (1)
A
mounts written-off (439) (46) (120) (1) (28) -(156) (790) (4,981) (5,771)
Recoveries of amounts
previously written-off 21 24 8 - 4 -69 126 22 148
Charged to income statement
- continuing operations (17) (52) 27 (3) (29) (2) - (76) (355) (431)
- discontinued operations - -- - - -89 89 - 89
Unwind of discount (31) (18) (9) (1) - -- (59) (25) (84)
At 30 June 2015 2,131 2,410 898 47 143 1532 6,162 5,141 11,303
Individually assessed
- banks - -- - 1 -- 1 25 26
- customers 6 32 481 44 111 182 757 4,966 5,723
Collectively assessed 1,890 2,118 329 - - -171 4,508 100 4,608
Latent 235 260 88 3 31 -279 896 50 946
2,131 2,410 898 47 143 1532 6,162 5,141 11,303