RBS 2003 Annual Report Download - page 104
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Operating and financial review continued
102
Operating and financial review
Liquidity risk (continued)
Net wholesale market activity
Overall structural liquidity risk remains well within the Group’s policy parameters. The Group’s net surplus of wholesale assets
reduced by £8,372 million to £6,274 million.
2003 2002 2001
£m £m £m
Deposits by banks (excluding repos):
repayable on demand 10,232 12,703 6,155
less than 3 months maturity 26,689 18,547 17,557
over 3 months maturity 3,358 3,373 5,880
Total deposits by banks (excluding repos) 40,279 34,623 29,592
Repo agreements with banks and customers 54,065 45,157 27,901
Debt securities in issue 41,016 33,938 30,669
Short positions 19,128 16,381 14,622
Total wholesale liabilities 154,488 130,099 102,784
Loans and advances to banks (gross, excluding reverse repos):
repayable on demand 6,029 6,433 3,895
less than 3 months maturity 11,287 10,485 12,500
over 3 months maturity 8,060 6,807 4,405
Total loans and advances to banks (gross, excluding reverse repos) 25,376 23,725 20,800
Reverse repo agreements with banks and customers 50,591 42,519 29,309
Debt securities, treasury bills and other eligible bills 84,795 78,501 74,176
Total wholesale assets 160,762 144,745 124,285
Net surplus of wholesale assets 6,274 14,646 21,501
Excluding repo and reverse repos, the comparison of the maturity and level of deposits by banks with that of loans and advances to
banks shows an increased reliance on inter-bank funding but of slightly longer maturity.