RBS 2010 Annual Report Download - page 328

13 Financial instruments - maturity analysis continued
On balance sheet liabilities
The following tables show by contractual maturity, the undiscounted cash flows payable up to a period of 20 years from the balance sheet date,
including future payments of interest.
Group
0-3 months 3-12 months 1-3 years 3-5 years 5-10 years 10-20 years
2010 £m £m £m £m £m £m
Deposits by banks 43,396 4,417 1,243 304 651 374
Customer accounts 402,457 18,580 8,360 4,651 4,393 2,384
Debt securities in issue 89,583 43,032 31,862 22,569 24,209 6,697
Derivatives held for hedging 608 936 2,103 969 681 253
Subordinated liabilities 2,485 2,611 6,570 8,691 8,672 4,607
Settlement balances and other liabilities 12,423 59 136 177 385 25
550,952 69,635 50,274 37,361 38,991 14,340
Guarantees and commitments - notional amount
Guarantees (1) 31,026 — — — — —
Commitments (2) 266,822 — — — — —
297,848 — — — — —
2009
Deposits by banks 65,966 15,541 3,934 2,301 632 12
Customer accounts 521,400 15,619 5,944 4,221 8,490 4,392
Debt securities in issue 100,220 49,300 56,869 25,915 27,326 3,819
Derivatives held for hedging 660 1,566 3,232 1,264 1,674 1,508
Subordinated liabilities 1,929 1,892 3,654 4,963 20,157 6,105
Settlement balances and other liabilities 12,048 100 139 104 239 83
702,223 84,018 73,772 38,768 58,518 15,919
Guarantees and commitments - notional amount
Guarantees (1) 39,952 — — — — —
Commitments (2) 291,634 — — — — —
331,586 — — — — —
2008
Deposits by banks 154,614 14,347 3,345 2,754 2,048 34
Customer accounts 523,268 33,450 6,577 6,337 7,298 5,319
Debt securities in issue 131,714 48,652 40,067 38,223 38,667 5,626
Derivatives held for hedging 394 2,216 2,543 1,334 2,682 1,373
Subordinated liabilities 1,753 4,271 6,824 5,793 24,503 13,030
Settlement balances and other liabilities 13,351 5 12 6 10 6
825,094 102,941 59,368 54,447 75,208 25,388
Notes:
(1) The Group is only called upon to satisfy a guarantee when the guaranteed party fails to meet its obligations. The Group expects most guarantees it provides to expire unused.
(2) The Group has given commitments to provide funds to customers under undrawn formal facilities, credit lines and other commitments to lend subject to certain conditions being met by the
counterparty. The Group does not expect all facilities to be drawn, and some may lapse before drawdown.
RBS Group 2010326
Notes on the accounts continued