Net mortgage lending during the quarter was£1.4bn over its target at £9.4bn and the lender said overall lending volumes were improving at the lower LTV end of the market.
Mortgage impairment losses were £61m on a total book of £93bn.
RBS subsidiary, Ulster Bank Group, recorded a residential mortgage portfolio of £21.5bn at the close of Q1 2011 with 90% in the Republic of Ireland and 10% in Northern Ireland.
Arrears rose from 6% at the end of 2010 to 6.6% by volume and repossessions totalled just 37 properties for Q1.
