RBS 2006 Annual Report Download - page 235
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RBS Group • Annual Report and Accounts 2006
234
Additional information continued
Additional information
Amounts in accordance with IFRS (continued)
Short term borrowings
IFRS
2006 2005 2004
£m £m £m
Commercial paper
Outstanding at year end 12,675 14,110 8,391
Maximum outstanding at any month end during the year 14,402 16,853 8,391
Approximate average amount during the year 13,225 15,329 7,450
Approximate weighted average interest rate during the year 4.9% 3.7% 1.9%
Approximate weighted average interest rate at year end 5.0% 4.2% 2.6%
Other short term borrowings
Outstanding at year end 122,576 105,483 95,381
Maximum outstanding at any month end during the year 130,867 117,913 96,356
Approximate average amount during the year 112,008 100,681 85,496
Approximate weighted average interest rate during the year 4.5% 3.4% 2.9%
Approximate weighted average interest rate at year end 4.5% 3.5% 3.1%
Average interest rates during the year are computed by
dividing total interest expense by the average amount
borrowed. Average interest rates at year end are average rates
for a single day and as such may reflect one-day market
distortions which may not be indicative of generally prevailing
rates. Original maturities of commercial paper are not in
excess of one year. ‘Other short-term borrowings’ consist
principally of borrowings in the money markets included within
‘Deposits by banks’ and ‘Customer accounts’ in the accounts,
and generally have original maturities of one year or less.
Certificates of deposit and other time deposits
The following table shows details of the Group’s certificates of deposit and other time deposits over $100,000 or equivalent by
remaining maturity.
Over 3 months Over 6 months
Within but within but within Over 2006
3 months 6 months 12 months 12 months Total
£m £m £m £m £m
UK based companies and branches
Certificates of deposit 7,654 1,556 1,674 201 11,085
Other time deposits 67,175 3,637 3,049 5,701 79,562
Overseas based companies and branches
Certificates of deposit 8,647 853 122 — 9,622
Other time deposits 22,783 2,799 2,909 6,847 35,338
Total 106,259 8,845 7,754 12,749 135,607