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20
RBS – Interim Results 2015
Appendix 1 Capital and risk management
Loans and related credit metrics: Loans, REIL, provisions and impairments
The tables below show gross loans and advances to banks and customers (excluding reverse repos) and
related credit metrics by sector and geography (by location of lending office).
Credit metrics
REIL as a Provisions Provisions Impairment
Gross % of gross as a % as a % o
f
losses/ Amounts
loans REIL Provisions loans of REIL gross loans (releases) written-of
f
30 June 2015 30 June 2015 £m £m £m % % % £m £m
Central and local government 7,644 15 10 0.2 67 0.1 9 -
Finance 37,464 258 172 0.7 67 0.5 (5) 52
Personal - mortgages 150,222 4,951 1,319 3.3 27 0.9 17 120
- unsecured 30,187 1,705 1,389 5.6 81 4.6 144 351
Property 44,127 7,105 4,559 16.1 64 10.3 (45) 3,952
Construction 5,639 489 335 8.7 69 5.9 (44) 216
of which: CRE 36,396 7,191 4,608 19.8 64 12.7 (65) 3,948
Manufacturing 20,127 351 243 1.7 69 1.2 4 65
Finance leases (1) 13,835 119 90 0.9 76 0.7 (3) 16
Retail, wholesale and repairs 16,860 655 444 3.9 68 2.6 - 173
Transport and storage 11,233 625 254 5.6 41 2.3 - 252
Health, education and leisure 14,995 512 234 3.4 46 1.6 - 122
Hotels and restaurants 7,475 581 315 7.8 54 4.2 10 240
Utilities 4,698 100 45 2.1 45 1.0 (15) 20
Other 26,275 1,220 922 4.6 76 3.5 (83) 183
Latent - - 946 - -- (331) n/a
Customers 390,781 18,686 11,277 4.8 60 2.9 (342) 5,762
Geographic regional analysis
UK - residential mortgages 115,661 1,235 174 1.1 14 0.2 15 23
- personal lending 14,964 1,454 1,254 9.7 86 8.4 84 287
- property 34,009 3,760 1,768 11.1 47 5.2 65 1,957
- construction 3,915 398 245 10.2 62 6.3 48 169
- other 112,252 2,431 1,684 2.2 69 1.5 (295) 474
Total 280,801 9,278 5,125 3.3 55 1.8 (83) 2,910
Europe - residential mortgages 14,052 2,801 1,001 19.9 36 7.1 (42) 16
- personal lending 1,171 57 52 4.9 91 4.4 (6) 3
- property 3,967 3,271 2,747 82.5 84 69.2 (101) 1,993
- construction 1,251 86 86 6.9 100 6.9 (91) 47
- other 12,515 1,658 1,510 13.2 91 12.1 (86) 615
Total 32,956 7,873 5,396 23.9 69 16.4 (326) 2,674
US - residential mortgages 20,508 915 144 4.5 16 0.7 44 81
- personal lending 12,306 177 66 1.4 37 0.5 66 61
- property 5,574 50 20 0.9 40 0.4 (8) 2
- construction 450 - - - -- (1) -
- other 29,505 157 346 0.5 220 1.2 (32) 12
Total 68,343 1,299 576 1.9 44 0.8 69 156
RoW - residential mortgages 1 - - - -- - -
- personal lending 1,746 17 17 1.0 100 1.0 - -
- property 577 24 24 4.2 100 4.2 (1) -
- construction 23 5 4 21.7 80 17.4 - -
- other 6,334 190 135 3.0 71 2.1 (1) 22
Total 8,681 236 180 2.7 76 2.1 (2) 22
Customers 390,781 18,686 11,277 4.8 60 2.9 (342) 5,762
Banks 23,311 28 26 0.1 93 0.1 - 9
Note:
(1) Includes instalment credit.