RBS 2006 Annual Report Download - page 193
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Financial statements
RBS Group • Annual Report and Accounts 2006
192
Notes on the accounts continued
35 Financial instruments (continued)
Interest rate sensitivity (continued)
Group
After 3 After 6 After 1
months months year Total Non Fair value
but less but less but less interest interest through Banking Trading
3 months than than than Over 5 earning/ earning/ profit or book book
or less 6 months 1 year 5 years years bearing Yield bearing loss total total Total
2005 £m £m £m £m £m £m % £m £m £m £m £m
Assets
Loans and advances
to banks 15,843 2,100 2,293 85 69 20,390 3.71 4,241 282 24,913 45,674 70,587
Loans and advances
to customers 231,730 14,063 13,045 49,078 32,789 340,705 5.51 15,274 616 356,595 60,631 417,226
Debt securities and
treasury bills 12,416 3,362 994 4,765 16,857 38,394 3.81 469 3,991 42,854 83,649 126,503
Other assets — — — — — — 54,952 2,541 57,493 105,018 162,511
Total assets 259,989 19,525 16,332 53,928 49,715 399,489 5.26 74,936 7,430 481,855 294,972 776,827
Liabilities and equity
Deposits by banks 54,515 2,880 1,507 776 968 60,646 3.97 2,123 — 62,769 47,638 110,407
Customer accounts 232,221 5,715 8,141 7,332 2,909 256,318 2.57 37,817 3,683 297,818 45,049 342,867
Debt securities in issue 65,055 4,212 3,586 957 1,140 74,950 4.18 7 11,068 86,025 4,395 90,420
Subordinated liabilities 3,965 1,492 116 5,749 16,339 27,661 6.84 110 150 27,921 353 28,274
Other liabilities — — — — — — 29,576 — 29,576 139,848 169,424
Shareholders’ equity — — — — — — 33,775 — 33,775 1,660 35,435
Internal funding of
trading business (48,506) (4,913) (1,800) (9) — (55,228) 3.83 (801) — (56,029) 56,029 —
Total liabilities and equity 307,250 9,386 11,550 14,805 21,356 364,347 3.82 102,607 14,901 481,855 294,972 776,827
Interest rate swaps (13,537) (2,849) (1,508) 1,182 16,712 — — —
Interest rate sensitivity gap (60,798) 7,290 3,274 40,305 45,071 35,142 (27,671) (7,471)
Cumulative interest rate
sensitivity gap (60,798)(53,508)(50,234) (9,929) 35,142 35,142 7,471 —