RBS 2005 Annual Report Download - page 244

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Additional information
Additional information continued
Amounts in accordance with UK GAAP
2004 2003 2002 2001
Summary consolidated profit and loss account – UK GAAP £m £m £m £m
Net interest income 9,208 8,301 7,849 6,846
Non-interest income 13,546 10,980 9,167 7,712
Total income 22,754 19,281 17,016 14,558
Operating expenses excluding goodwill amortisation (1) 9,931 8,753 8,738 7,716
Goodwill amortisation 915 763 731 651
General insurance claims (net) 3,480 2,195 1,350 948
Profit before provisions 8,428 7,570 6,197 5,243
Provisions for bad and doubtful debts 1,428 1,461 1,286 984
Amounts written off fixed asset investments 83 33 59 7
Profit on ordinary activities before tax 6,917 6,076 4,852 4,252
Tax on profit on ordinary activities 2,155 1,888 1,582 1,537
Profit on ordinary activities after tax 4,762 4,188 3,270 2,715
Minority interests (including non-equity) 250 210 133 90
Preference dividends – non-equity 256 261 305 358
4,256 3,717 2,832 2,267
Additional Value Shares dividend – non-equity — 1,463 798 399
Profit attributable to ordinary shareholders 4,256 2,254 2,034 1,868
Notes:
(1) Includes integration expenditure of £269 million for the year ended 31 December 2004 (2003 – £229 million; 2002 – £957 million; 2001 – £875 million).
2004 2003 2002 2001
Summary consolidated balance sheet – UK GAAP £m £m £m £m
Loans and advances to banks (net of provisions) 58,260 51,891 44,296 38,513
Loans and advances to customers (net of provisions) 345,469 252,531 223,324 190,492
Debt securities and equity shares 94,171 82,249 68,928 65,597
Intangible fixed assets 17,576 13,131 12,697 13,325
Other assets 67,991 54,626 61,793 60,932
Total assets 583,467 454,428 411,038 368,859
Called up share capital 822 769 754 893
Share premium account 12,964 8,175 7,608 7,465
Other reserves 10,856 11,307 11,922 12,354
Profit and loss account 7,223 5,847 4,787 5,956
Shareholders’ funds 31,865 26,098 25,071 26,668
Minority interests 3,829 2,713 1,839 585
Subordinated liabilities 20,366 16,998 13,965 12,530
Total capital resources 56,060 45,809 40,875 39,783
Deposits by banks 99,081 67,323 54,720 40,038
Customer accounts 285,062 236,963 219,161 198,995
Debt securities in issue 58,960 41,016 33,938 30,669
Other liabilities 84,304 63,317 62,344 59,374
Total liabilities 583,467 454,428 411,038 368,859