RBS 2014 Annual Report Download - page 24

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22
RBS – Interim Results 2015
Analysis of results
Half year ended Quarter ended
30 June 30 June 30 June 31 March 30 June
2015 2014 2015 2015 2014
Impairment (releases)/losses £m £m £m £m £m
Loans (342) 271 (152) (190) (89)
Securities 110 (2) 11 99 (4)
Total impairment (releases)/losses (232) 269 (141) (91) (93)
Loan impairment (releases)/losses
- individually assessed (102) 113 (96) (6) (42)
- collectively assessed 90 348 21 69 221
- latent (330) (180) (77) (253) (258)
Customer loans (342) 281 (152) (190) (79)
Bank loans - (10) - - (10)
Loan impairment (releases)/losses (342) 271 (152) (190) (89)
RBS excluding RCR 13 290 43 (30) 36
RCR (355) (19) (195) (160) (125)
Loan impairment (releases)/losses (342) 271 (152) (190) (89)
Customer loan impairment (releases)/losses
as a % of gross loans and advances (1)
RBS (0.2%) 0.1% (0.2%) (0.2%) (0.1%)
RBS excluding RCR - 0.2% - - -
RCR (6.5%) (0.1%) (7.1%) (4.2%) (1.7%)
30 June 31 March 31 December
2015 2015 2014
Loan impairment provisions
- RBS £11.3bn £13.8bn £18.0bn
- RBS excluding RCR £6.2bn £6.6bn £7.1bn
- RCR £5.1bn £7.2bn £10.9bn
Risk elements in lending (REIL)
- RBS £18.7bn £22.3bn £28.2bn
- RBS excluding RCR £11.3bn £12.1bn £12.8bn
- RCR £7.4bn £10.2bn £15.4bn
Provisions as a % of REIL
- RBS 60% 62% 64%
- RBS excluding RCR 54% 55% 55%
- RCR 69% 70% 71%
REIL as a % of gross customer loans
- RBS 4.8% 5.4% 6.8%
- RBS excluding RCR 3.0% 3.0% 3.3%
- RCR 67% 68% 70%
Note:
(1) Excludes reverse repurchase agreements and includes disposals groups.