RBS 2005 Annual Report Download - page 84

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Operating and financial review
Operating and financial review continued
Consolidated balance sheet
at 31 December 2005
31 December 1 January 31 December
2005 2005 2004
£m £m £m
Assets
Cash and balances at central banks 4,759 4,293 4,293
Treasury bills and other eligible bills 5,538 6,109 6,110
Loans and advances to banks 70,587 65,691 61,073
Loans and advances to customers 417,226 381,162 347,251
Debt securities 120,965 93,915 93,908
Equity shares 9,301 5,231 4,723
Intangible assets 19,932 19,242 19,242
Property, plant and equipment 18,053 16,425 16,428
Settlement balances 6,005 5,682 5,682
Derivatives at fair value 95,663 89,905 17,800
Prepayments, accrued income and other assets 8,798 8,855 11,612
Total assets 776,827 696,510 588,122
Liabilities
Deposits by banks 110,407 106,026 99,883
Customer accounts 342,867 315,046 283,315
Debt securities in issue 90,420 66,245 63,999
Settlement balances and short positions 43,988 33,339 32,990
Derivatives at fair value 96,438 91,277 18,876
Accruals, deferred income and other liabilities 14,247 14,720 17,648
Retirement benefit liabilities 3,735 2,940 2,940
Deferred taxation liabilities 1,695 1,826 2,061
Insurance liabilities 7,212 6,592 8,647
Subordinated liabilities 28,274 27,526 20,366
Total liabilities 739,283 665,537 550,725
Equity
Minority interests 2,109 951 3,492
Shareholders’ equity
Called up share capital 826 822 822
Reserves 34,609 29,200 33,083
Total equity 37,544 30,973 37,397
Total liabilities and equity 776,827 696,510 588,122
Analysis of repurchase agreements included above
Reverse repurchase agreements and stock borrowing
Loans and advances to banks 41,804 34,475 29,975
Loans and advances to customers 48,887 64,599 52,184
90,691 99,074 82,159
Repurchase agreements and stock lending
Deposits by banks 47,905 47,841 43,342
Customer accounts 48,754 54,485 42,134
96,659 102,326 85,476