RBS 2005 Annual Report Download - page 254

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Additional information
Additional information continued
The Group’s contingent liabilities and commitments are set out below.
More than More than
1 year but 3 years but
Less than less than less than Over
1 year 3 years 5 years 5 years Total
2005 £m £m £m £m £m
Guarantees and assets pledged as collateral security 1,584 3,916 3,760 2,993 12,253
Other contingent liabilities 3,078 644 677 1,995 6,394
Undrawn formal standby facilities, credit lines and other commitments to lend 132,126 15,077 33,466 22,352 203,021
Other commitments 2,402 865 148 114 3,529
Total 139,190 20,502 38,051 27,454 225,197
2004
Guarantees and assets pledged as collateral security 3,974 1,729 1,893 2,842 10,438
Other contingent liabilities 3,076 785 293 1,501 5,655
Undrawn formal standby facilities, credit lines and other commitments to lend 118,367 23,045 21,216 16,602 179,230
Other commitments 881 415 6 245 1,547
Total 126,298 25,974 23,408 21,190 196,870
Contractual obligations
The table below summarises the Group’s contractual cash obligations by remaining maturity.
More than More than
1 year but 3 years but
Less than less than less than Over
1 year 3 years 5 years 5 years Total
2005 £m £m £m £m £m
Contractual cash obligations
Dated loan capital 602 1,041 2,971 8,363 12,977
Operating leases 310 591 512 1,700 3,113
Unconditional obligations to purchase goods or services 659 458 148 20 1,285
Total 1,571 2,090 3,631 10,083 17,375
2004
Contractual cash obligations
Dated loan capital 371 527 2,863 7,252 11,013
Operating leases 328 597 535 2,246 3,706
Finance leases 17 38 11 126 192
Unconditional obligations to purchase goods or services 733 421 148 152 1,454
Total 1,449 1,583 3,557 9,776 16,365
The tables above do not include undated loan capital. Commitments for the purchase of software at 31 December 2005 were
£139 million (2004 – £256 million).