RBS 2014 Annual Report Download - page 84
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82
RBS – Interim Results 2015
Notes
7. Loan impairment provisions and risk elements in lending (continued)
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.
REIL decreased by £9,430 million in the half year ended 30 June 2015 to £17,454 million and the
movements thereon were:
Half year ended
30 June 2015 30 June 2014
RBS RBS
excl. RCR RCR Total excl. RCR RCR Total
£m £m £m £m £m £m
A
t beginning of period 11,484 15,400 26,884 15,276 24,116 39,392
Transfer to disposals groups (22) - (22) - - -
Currency translation and other adjustments (407) (784) (1,191) (167) (658) (825)
A
dditions 1,478 692 2,170 2,273 1,887 4,160
Transfers (1) (116) (5) (121) (121) 52 (69)
Transfer to performing book (296) (28) (324) (111) (74) (185)
Repayments and disposals (1,429) (2,898) (4,327) (2,629) (3,276) (5,905)
A
mounts written-off (634) (4,981) (5,615) (868) (1,619) (2,487)
A
t end of period 10,058 7,396 17,454 13,653 20,428 34,081
Quarter ended
30 June 2015 31 March 2015 30 June 2014
RBS RBS RBS
excl. RCR RC
R
Total excl. RCR RCR Total excl. RCR RCR Total
£m £m £m £m £m £m £m £m £m
A
t beginning of period 10,658 10,225 20,883 11,484 15,400 26,884 14,351 23,002 37,353
Transfer to disposal groups - -- (22) -(22) ---
Currency translation and
other adjustments (88) (191) (279) (319) (593) (912) (102) (560) (662)
A
dditions 766 320 1,086 712 372 1,084 810 564 1,374
Transfers (1) (64) (5) (69) (52) -(52) (65) 36 (29)
Transfer to performing book (152) (12) (164) (144) (16) (160) (8) (71) (79)
Repayments and disposals (709) (1,165) (1,874) (720) (1,733) (2,453) (886) (1,716) (2,602)
A
mounts written-off (353) (1,776) (2,129) (281) (3,205) (3,486) (447) (827) (1,274)
A
t end of period 10,058 7,396 17,454 10,658 10,225 20,883 13,653 20,428 34,081
Note:
(1) Represents transfers between REIL and potential problem loans.
Provision coverage of REIL was 62% at 30 June 2015 (31 March 2015 - 63%; 31 December 2014 - 65%; 30
June 2014 - 66%).