RBS 2003 Annual Report Download - page 144
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142
2003 2002
Note £m £m
Assets
Cash and balances at central banks 3,822 3,481
Items in the course of collection from other banks 2,501 2,741
Treasury bills and other eligible bills 10 4,846 11,459
Loans and advances to banks 11 51,891 44,296
Loans and advances to customers 12 252,531 223,324
Debt securities 14 79,949 67,042
Equity shares 15 2,300 1,886
Interests in associated undertakings 16 106 94
Intangible fixed assets 19 13,131 12,697
Tangible fixed assets 20 13,927 10,485
Settlement balances 2,857 4,102
Other assets 21 18,436 16,929
Prepayments and accrued income 5,421 4,353
451,718 402,889
Long-term assurance assets attributable to policyholders 22 3,557 9,111
Total assets 455,275 412,000
Liabilities
Deposits by banks 23 67,323 54,720
Items in the course of transmission to other banks 958 1,258
Customer accounts 24 236,963 219,161
Debt securities in issue 25 41,016 33,938
Settlement balances and short positions 26 21,369 19,412
Other liabilities 27 20,584 20,754
Accruals and deferred income 13,173 8,626
Provisions for liabilities and charges
– deferred taxation 28 2,266 1,834
– other provisions 29 256 330
Subordinated liabilities
– dated loan capital 30 9,312 7,602
– undated loan capital including convertible debt 31 7,686 6,363
Minority interests
– equity (11) (11)
– non-equity 32 2,724 1,850
Called up share capital 33 769 754
Share premium account 34 8,175 7,608
Merger reserve 34 10,881 11,455
Other reserves 34 419 387
Revaluation reserve 34 780
Profit and loss account 34 7,848 6,768
Shareholders’ funds
– equity 25,176 23,545
– non-equity 34 2,923 3,507
451,718 402,889
Long-term assurance liabilities attributable to policyholders 22 3,557 9,111
Total liabilities 455,275 412,000
Memorandum items
Contingent liabilities 41 14,864 15,588
Commitments (standby facilities, credit lines and other) 41 139,693 128,592
The accounts were approved by the Board of directors on 18 February 2004 and signed on its behalf by:
Sir George Mathewson Fred Goodwin Fred Watt
Chairman Group Chief Executive Group Finance Director
Consolidated balance sheet
at 31 December 2003
Consolidated balance sheet