RBS 2003 Annual Report Download - page 53
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Operating and financial review
Annual Report and Accounts 2003
51
Operating and financial review
Contents
Presentation of information 52
Forward-looking statements 53
Description of business 54
Risk factors 56
Critical accounting policies 57
Accounting developments 59
Financial highlights 61
Summary consolidated profit
and loss account 62
Analysis of results 67
Divisional performance 75
Consolidated balance sheet 88
Cash flow 90
UK GAAP compared with US GAAP 91
Capital resources 91
Risk management 92