RBS 2003 Annual Report Download - page 71
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69
Operating and financial review
Annual Report and Accounts 2003
2001
Average
balance Interest Rate
£m £m %
Assets
Treasury and other eligible bills – UK 231 11 4.8
Treasury and other eligible bills – Overseas 277 8 2.9
Loans and advances to banks – UK 18,214 834 4.6
Loans and advances to banks – Overseas 7,467 421 5.6
Loans and advances to customers – UK 137,232 9,584 7.0
Loans and advances to customers – Overseas 28,847 1,981 6.9
Debt securities – UK 16,632 931 5.6
Debt securities – Overseas 11,427 651 5.7
Total interest-earning assets – banking business 220,327 14,421 6.6
– trading business (3) 66,545
Total interest-earning assets 286,872
Non-interest-earning assets 63,385
Total assets 350,257
Percentage of assets applicable to overseas operations 27.1%
Liabilities and shareholders’ equity
Deposits by banks – UK 18,360 760 4.1
Deposits by banks – Overseas 8,779 382 4.4
Customer accounts: demand deposits – UK 54,237 1,576 2.9
Customer accounts: demand deposits – Overseas 6,422 154 2.4
Customer accounts: savings deposits – UK 15,892 594 3.7
Customer accounts: savings deposits – Overseas 11,690 435 3.7
Customer accounts: other time deposits – UK 43,161 1,967 4.6
Customer accounts: other time deposits – Overseas 8,127 338 4.2
Debt securities in issue – UK 20,140 1,031 5.1
Debt securities in issue – Overseas 8,407 384 4.6
Loan capital – UK 10,779 657 6.1
Loan capital – Overseas 171 14 8.2
Internal funding of trading business – UK (14,626) (654) 4.5
Internal funding of trading business – Overseas (1,576) (63) 4.0
Total interest-bearing liabilities – banking business 189,963 7,575 4.0
– trading business (3) 63,159
Total interest-bearing liabilities 253,122
Non-interest-bearing liabilities
Demand deposits – UK 21,025
Demand deposits – Overseas 4,513
Other liabilities 46,249
Shareholders’ funds – equity 21,073
Shareholders’ funds – non-equity 4,275
Total liabilities and shareholders’ equity 350,257
Percentage of liabilities applicable to overseas operations 27.5%
Notes:
(1) The analysis into UK and Overseas has been compiled on the basis of location of office.
(2) Loans and advances to customers include non-accrual loans. Interest income includes income on non-accruing loans only to the extent cash payments have been received.
(3) Interest receivable and interest payable on trading assets and liabilities are included in dealing profits.