RBS 2014 Annual Report Download - page 156
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21
RBS – Interim Results 2015
Appendix 1 Capital and risk management
Loans and related credit metrics: Loans, REIL, provisions and impairments (continued)
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
31 December 2014 31 December 2014 £m £m £m % % % £m £m
Central and local government 9,079 1 1 - 100 - (1) -
Finance 39,611 364 234 0.9 64 0.6 (5) 23
Personal - mortgages 150,572 5,634 1,521 3.7 27 1.0 36 236
- unsecured 29,155 1,964 1,585 6.7 81 5.4 401 737
Property 51,546 13,021 8,918 25.3 68 17.3 (1,083) 2,625
Construction 5,657 971 612 17.2 63 10.8 76 202
of which: CRE 43,317 13,345 9,027 30.8 68 20.8 (1,067) 2,750
Manufacturing 22,035 461 322 2.1 70 1.5 (26) 188
Finance leases (1) 14,030 156 113 1.1 72 0.8 - 75
Retail, wholesale and repairs 18,498 956 645 5.2 67 3.5 106 160
Transport and storage 14,299 1,146 500 8.0 44 3.5 37 211
Health, education and leisure 15,932 734 366 4.6 50 2.3 9 349
Hotels and restaurants 7,969 1,094 574 13.7 52 7.2 (40) 109
Utilities 4,825 156 85 3.2 54 1.8 16 5
Other 29,593 1,519 1,208 5.1 80 4.1 (10) 349
Latent - - 1,316 - -- (676) -
Customers 412,801 28,177 18,000 6.8 64 4.4 (1,160) 5,269
Geographic regional analysis
UK - residential mortgages 113,521 1,394 191 1.2 14 0.2 (23) 76
- personal lending 15,923 1,674 1,452 10.5 87 9.1 290 546
- property 37,547 6,026 3,676 16.0 61 9.8 (221) 1,917
- construction 4,098 676 361 16.5 53 8.8 (1) 175
- other 113,782 3,287 2,467 2.9 75 2.2 (146) 847
Total 284,871 13,057 8,147 4.6 62 2.9 (101) 3,561
Europe - residential mortgages 15,629 3,268 1,178 20.9 36 7.5 (10) 10
- personal lending 1,051 76 66 7.2 87 6.3 9 66
- property 8,021 6,907 5,197 86.1 75 64.8 (862) 699
- construction 1,055 289 245 27.4 85 23.2 78 24
- other 19,104 2,860 2,361 15.0 83 12.4 (440) 561
Total 44,860 13,400 9,047 29.9 68 20.2 (1,225) 1,360
US - residential mortgages
- residential mortgages 21,203 957 150 4.5 16 0.7 69 150
- personal lending 11,164 195 49 1.7 25 0.4 102 125
- property 5,332 64 19 1.2 30 0.4 2 7
- construction 413 1 1 0.2 100 0.2 - 1
- other 31,338 200 342 0.6 171 1.1 1 39
Total 69,450 1,417 561 2.0 40 0.8 174 322
RoW - residential mortgages 219 15 2 6.8 13 0.9 - -
- personal lending 1,017 19 18 1.9 95 1.8 - -
- property 646 24 26 3.7 108 4.0 (2) 2
- construction 91 5 5 5.5 100 5.5 (1) 2
- other 11,647 240 194 2.1 81 1.7 (5) 22
Total 13,620 303 245 2.2 81 1.8 (8) 26
Customers 412,801 28,177 18,000 6.8 64 4.4 (1,160) 5,269
Banks 24,812 42 40 0.2 95 0.2 (10) 9
Note:
(1) Includes instalment credit.