RBS 2015 Annual Report Download - page 44

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Mining & Metals exposure
CRA(1)
Total exposure decreased by 55% Y/Y due to proactive reduction in the sub-sectors considered the most vulnerable
At 31 December 2015, 63% of the portfolio exposure was Investment Grade (60% in 2014)
Commodity Traders(5) Exposure more than halved during 2015. The remaining exposure of £749m(4) is mainly to the
largest and most dominant traders in physical commodities
Non-performing exposures at 31 December 2015 were £48m(4)
(55%)
FY 2015
2,105
40%
60%
FY 2014
4,696
38%
62%
Mining Metals
Total exposure(2) by
geography
2,105
23% 13%
36%
28%
FY 2014
4,696
31%
27%
26%
16%
(55%)
FY 2015
Rest of world(3)
US
Other W. Europe
UK&ROI
(57%)
FY 2015
1,134
FY 2014
2,660
Total exposure(2)
(£m)
(1) Credit Risk Assets (CRAs) consist of lending gross of impairment, provisions and derivative exposures after netting and contingent obligations (2)Total exposure includes committed but undrawn facilities (3)Rest of world comprises Asia Pacific,
Central and Eastern Europe, the Middle East and Central Asia and Africa (4) On a CRA basis. (5) Commodity traders represents customers in a number of industry sectors, predominantly within natural resources including Metals & Mining.
FY 2014 FY 2015
(57%)
1,134
37%
63%
40%
60%
2,660
Investment grade
Other rating grades
CRA(1) by Investment
grade
36