IBRC annual report for 2011 - Irish Bank Resolution Corporation ...

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Notes to the financial statements continued55. Parent Bank information on credit risk continuedGross loans and advances to customers by geographical location and industry sector2011UnitedIreland Kingdom USA Total€m €m €m €m %Retail 2,962 839 239 4,040 17%Office 2,257 871 184 3,312 14%Mixed use 693 692 87 1,472 6%Industrial 237 406 - 643 2%Leisure 2,291 2,528 - 4,819 20%Commercial development 187 51 - 238 1%Other property investment 878 16 - 894 4%Residential investment 492 160 104 756 3%Residential development 391 34 - 425 2%Business banking 3,042 34 - 3,076 13%Residential owner occupier 1,440 - - 1,440 6%Residential buy to let 433 - - 433 2%Personal 2,288 24 4 2,316 9%Fund Investment 351 1 - 352 1%Unzoned land 31 3 - 34 0%Total loans and advancesto customers17,973 5,659 618 24,250 100%2010UnitedIreland Kingdom USA Total€m €m €m €m %Retail 1,765 874 1,491 4,130 14%Office 1,722 1,652 2,192 5,566 18%Mixed use 595 1,027 469 2,091 7%Industrial 251 475 548 1,274 4%Leisure 2,139 3,329 1,080 6,548 22%Commercial development 271 94 480 845 3%Other property investment 897 124 48 1,069 4%Residential investment 447 351 1,166 1,964 6%Residential development 380 35 119 534 2%Business banking 3,359 36 7 3,402 11%Personal 2,433 32 43 2,508 8%Fund Investment 390 3 - 393 1%Unzoned land 31 3 - 34 0%Total loans and advancesto customers14,680 8,035 7,643 30,358 100%Geographical location is based on the location of the office recording the transaction.Total loans and advances to customers are stated gross of provisions and include €724m (2010: €749m) lent to fund assetsheld by the Group's assurance business in respect of liabilities to customers under investment contracts.160
Irish Bank Resolution Corporation LimitedAnnual Report & Accounts 2011Specific provisions against loans and advances to customers by geographical location and industry sector2011UnitedIreland Kingdom USA Total€m €m €m €m %Retail 966 219 18 1,203 13%Office 647 220 - 867 10%Mixed use 254 116 - 370 4%Industrial 123 92 - 215 2%Leisure 1,044 528 - 1,572 17%Commercial development 175 24 - 199 2%Other property investment 718 3 - 721 8%Residential investment 185 15 2 202 2%Residential development 309 23 - 332 4%Business banking 1,767 10 - 1,777 20%Residential owner occupier 206 - - 206 2%Residential buy to let 155 - - 155 2%Personal 1,157 5 3 1,165 13%Fund Investment 96 1 - 97 1%Unzoned land 24 2 - 26 0%Total specific provisions on loansand advances to customers7,826 1,258 23 9,107 100%2010UnitedIreland Kingdom USA Total€m €m €m €m %Retail 504 103 100 707 9%Office 433 117 262 812 10%Mixed use 146 90 97 333 4%Industrial 89 78 60 227 3%Leisure 899 281 359 1,539 20%Commercial development 166 19 100 285 4%Other property investment 683 1 1 685 9%Residential investment 115 11 136 262 3%Residential development 232 20 19 271 3%Business banking 1,693 1 - 1,694 22%Personal 914 3 18 935 12%Fund Investment 87 1 - 88 1%Unzoned land 20 2 - 22 0%Total specific provisions on loansand advances to customers5,981 727 1,152 7,860 100%Geographical location is based on the location of the office recording the transaction.161
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Irish Bank Resolution Corporation L
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ContentsIrish Bank Resolution Corpo
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Chairman’s statementIrish Bank Re
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Group Chief Executive’s reviewIri
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Group Chief Executive’s review co
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Business review continuedIrish Bank
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Board of DirectorsIrish Bank Resolu
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Corporate Responsibility continuedI
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Principal risks and uncertainties c
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Principal risks and uncertainties c
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Report of the DirectorsIrish Bank R
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Corporate governance statementIrish
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Corporate governance statement cont
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Corporate governance statement cont
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OpinionIn our opinion:• the Group
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Consolidated statement of comprehen
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Bank statement of financial positio
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