bank-r-and-a

Overview Strategic report Corporate governance Risk management Financial statements Other information
Risk management continued
For the year ended 31 December 2013
All amounts are stated in £m unless otherwise indicated
1. Credit risk continued
31 December 2012 Standardised Strong Good Satisfactory Weak Default Total
BaCB
Accommodation, food and licensed services 18.0 12.1 25.7 1.4 – – 57.2
Care 43.6 17.4 29.6 5.4 0.5 – 96.5
Education 49.4 40.0 3.4 1.0 – – 93.8
Financial services 14.9 26.8 22.4 0.1 – – 64.2
Football clubs – – – – – – –
Housing associations 7.7 44.6 0.9 – – – 53.2
Manufacturing 7.0 15.7 25.6 5.4 0.1 – 53.8
Motor trade and garages 2.0 2.7 6.1 0.5 – – 11.3
PFI – – – – – – –
Professional services 23.7 63.3 5.4 1.7 – – 94.1
Property and construction:
Commercial investment 9.7 19.3 262.8 3.0 0.1 3.3 298.2
Residential investment 9.3 5.7 54.2 1.9 – – 71.1
Commercial development 1.5 0.7 15.4 2.1 – 1.8 21.5
Residential development 0.3 4.8 11.3 1.0 0.8 – 18.2
Public sector entities 9.2 – – – – – 9.2
Renewable energy – – – – – – –
Retail and wholesale trade 7.8 308.8 11.9 0.5 – – 329.0
Services 139.1 22.0 17.5 2.3 0.2 – 181.1
Transport, storage and communication 2.3 6.8 2.5 0.3 – 0.2 12.1
Utilities 1.8 1.5 0.5 0.4 – – 4.2
Business banking 0.8 35.1 6.7 2.9 0.4 0.5 46.4
Other 6.8 1.5 1.1 1.0 – – 10.4
354.9 628.8 503.0 30.9 2.1 5.8 1,525.5
The Co-operative Bank plc Annual report and accounts 2013
93