RBS 2004 Annual Report Download - page 188

186
Notes on the accounts
Notes on the accounts continued
49 Segmental analysis (continued)
Rest of
UK USA Europe the World Total
2003* £m £m £m £m £m
Interest receivable 10,780 2,142 942 134 13,998
Dividend income 33 7 18 — 58
Fees and commissions receivable 4,663 622 323 85 5,693
Dealing profits 1,004 717 39 33 1,793
Other operating income 1,432 86 132 — 1,650
General insurance premium income (net of reinsurance) 2,981 — 142 — 3,123
Gross income 20,893 3,574 1,596 252 26,315
Profit on ordinary activities before tax 4,456 1,159 315 146 6,076
Total assets 314,638 102,389 27,411 9,990 454,428
Net assets 18,669 5,364 2,060 5 26,098
2002*
Interest receivable 10,372 2,240 837 112 13,561
Dividend income 32 10 16 — 58
Fees and commissions receivable 4,375 601 251 22 5,249
Dealing profits 736 649 42 35 1,462
Other operating income 1,346 32 40 (8) 1,410
General insurance premium income (net of reinsurance) 1,874 — 79 — 1,953
Gross income 18,735 3,532 1,265 161 23,693
Profit/(loss) on ordinary activities before tax 3,928 618 340 (34) 4,852
Total assets 279,478 102,532 25,354 3,674 411,038
Net assets 19,098 4,056 1,917 — 25,071
*restated (see page 139)
50 Directors’ remuneration
2004 2003
£000 £000
Non-executive directors – emoluments 874 759
Chairman and executive directors – emoluments 8,421 7,945
Chairman and executive directors – contributions and allowances in respect of defined
contribution pension schemes 178 164
9,473 8,868
Chairman and executive directors – amounts receivable under long-term incentive plans 2,189 6,056
Chairman and executive directors – gains on exercise of share options 5 2
11,667 14,926
Retirement benefits are accruing to five directors (2003 – six) under defined benefit schemes, two (2003 – two) of whom also
accrued benefits under defined contribution schemes.
The executive directors may also participate in the company’s executive share option, sharesave and option 2000 schemes and
details of their interests in the company’s shares arising from their participation are contained on page 131. Details of the
remuneration received by each director during the year and each directors’ pension arrangements are given on pages 130 to 133.