RBS 2005 Annual Report Download - page 198

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Notes on the accounts
Notes on the accounts continued
Group
After 3 After 6 After 1
months months year Non
but less but less but less interest Banking Trading
3 months than than than Over 5 earning/ book book
or less 6 months 1 year 5 years years bearing total total Total
2004 £m £m £m £m £m £m £m £m £m
Assets
Loans and advances to banks 14,829 5,140 1,367 77 482 3,272 25,167 35,906 61,073
Loans and advances to customers 191,796 16,632 11,177 34,687 28,419 2,304 285,015 62,236 347,251
Debt securities and treasury bills 12,530 4,088 3,656 6,133 13,548 2,416 42,371 57,647 100,018
Other assets — — — — — 54,871 54,871 24,909 79,780
Total assets 219,155 25,860 16,200 40,897 42,449 62,863 407,424 180,698 588,122
Liabilities and equity
Deposits by banks 54,679 2,282 907 119 477 1,737 60,201 39,682 99,883
Customer accounts 190,796 5,589 6,948 7,043 461 31,345 242,182 41,133 283,315
Debt securities in issue 45,903 6,104 4,418 4,087 1,727 — 62,239 1,760 63,999
Subordinated liabilities 4,401 1,020 302 2,151 12,438 — 20,312 54 20,366
Other liabilities 4 5 8 49 126 33,469 33,661 52,993 86,654
Shareholders’ equity — — — — — 32,755 32,755 1,150 33,905
Internal funding of trading business (42,516) (313) (1,088) (9) — — (43,926) 43,926 —
Total liabilities and equity 253,267 14,687 11,495 13,440 15,229 99,306 407,424 180,698 588,122
Off-balance sheet items (2,126) (6,906) (1,160) 1,560 8,632 —
interest rate sensitivity gap (36,238) 4,267 3,545 29,017 35,852 (36,443)
Cumulative interest rate sensitivity gap (36,238) (31,971) (28,426) 591 36,443
34 Financial instruments (continued)