Investor Presentaiton
Appendix
UK RFB disclosures
Strategy
Results
Total RFB lending to customers, £bn
Personal
At 31 December 2020
94.7
96.0
Residential mortgage balances, £bn
99.4 101.5
Unsecured lending balances, £bn
97.7
102.4
104.2
108.1 110.7
Wholesale
67.4
8.2
8.8
7.3
7.4
7.7
5.9
₤192bn
110.7 Personal
mortgages
13.6
12/18 03/19 06/19
By LTV
09/19 12/19 03/20 06/20 09/20 12/20
Credit cards
2018
Other personal lending
2019
2020
Delinquencies 103
Personal unsecured
Wholesale
Gross wholesale loans and advances to customers, £bn
At 31 December 2020
Other
Real estate
Less than 50% £48.1bn
50% 60%
60%-< 70%
70%- < 80%
80%-90%
90% +
£17.1bn
£17.4bn
£16.1bn
£10.4bn
£1.6bn
c.26% of mortgage book is in Greater London
Buy-to-let mortgages of £2.8bn
Credit cards: 90-179 day delinquency trend, %
◆ Mortgages on a standard variable rate of £3.3bn
♦ Interest-only mortgages of £19.4bn 102
LTV ratios:
0.88
1.0
0.64
0.62
0.5
•
c.43% of the book <50% LTV%
•
Publishing and
9.2
new originations average LTV of 70%
average portfolio LTV of 51%
0.0
12.1
12/18 06/19
12/19
06/20
12/20
broadcasting
Construction
2.4
3.8
Broker coverage
(by value of market share) L
8% 1
43% 1
70%|
-
84%1 93%1 >93%
Agriculture 4.0
£67bn
Gross new lending 103
11.0 Wholesale and
retail trade
c.£24bn
c. £22bn
◆ Change in spending due to Covid-19, with a 20%
fall in balances vs. 2019. Drop in delinquencies
following the introduction of payment holidays
Mortgages: 90+ day delinquency trend, %
c.£21bn
4.0
Professional activities
c. £13bn
c. £16bn
-7%-
c. £19bn
21%
0.3
35%
47%
60%
0.23
0.19
0.16
0.2
Broker channel
4.6
8.9
Administrative
7.4
Direct channel
0.1
and support services
Manufacturing
Accommodation
and food
0.0
2015
2016
2017
2018
2019
2020
12/18
06/19
12/19
06/20
12/20
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