RBS 2010 Annual Report Download - page 65

Average balance sheet and related interest
Pro forma 2010 Pro forma 2009
Average
balance Interest Rate
Average
balance Interest Rate
£m £m % £m £m %
Assets
Loans and advances to banks - UK 22,578 223 0.99
21,373 278 1.30
- Overseas
30,143 369 1.22
30,384 553 1.82
Loans and advances to customers - UK 311,060 11,907 3.83
333,408 11,864 3.56
- Overseas
197,340 6,936 3.51
242,065 9,493 3.92
Debt securities - UK 66,734 1,467 2.20
53,955 1,466 2.72
- Overseas
62,103 1,791 2.88
71,851 2,736 3.81
Interest-earning assets -UK 400,372 13,597 3.40
408,736 13,608 3.33
- Overseas 289,586 9,096 3.14
344,300 12,782 3.71
Total interest-earning assets -banking business (2,3,5) 689,958 22,693 3.29
753,036 26,390 3.50
-trading business (4) 276,330
291,092
Interest-earning assets 966,288
1,044,128
Non-interest-earning assets (2,3) 657,095
815,468
Total assets 1,623,383
1,859,596
Percentage of assets applicable to overseas operations 42.7%
42.0%
Liabilities
Deposits by banks - UK 21,816 334 1.53
24,837 675 2.72
- Overseas
59,542 996 1.67
106,353 2,177 2.05
Customer accounts: demand deposits - UK 120,796 621 0.51
109,756 559 0.51
- Overseas
39,218 609 1.55
38,287 408 1.07
Customer accounts: savings deposits - UK 68,142 935 1.37
54,048 772 1.43
- Overseas
25,587 213 0.83
26,976 473 1.75
Customer accounts: other time deposits - UK 42,818 431 1.01
67,728 807 1.19
- Overseas
45,080 914 2.03
58,168 1,618 2.78
Debt securities in issue - UK 123,729 2,186 1.77
130,002 3,162 2.43
- Overseas
72,247 1,065 1.47
96,075 1,654 1.72
Subordinated liabilities - UK 19,998 480 2.40
25,001 852 3.41
- Overseas
9,336 252 2.70
10,347 458 4.43
Internal funding of trading business - UK (41,451) (140) 0.34 (60,284) (317) 0.53
- Overseas
(6,864) (41) 0.60 (14,845) (191) 1.29
Interest-bearing liabilities -UK 355,848 4,847 1.36
351,088 6,510 1.85
- Overseas 244,146 4,008 1.64
321,361 6,597 2.05
Total interest-bearing liabilities -banking business (2,3,6) 599,994 8,855 1.48 672,449 13,107 1.95
-trading business (4) 293,993
331,380
Interest-bearing liabilities 893,987
1,003,829
Non-interest-bearing liabilities:
Demand deposits - UK 29,022
16,446
- Overseas
23,994
20,043
Other liabilities (3,4) 599,474
761,975
Owners' equity 76,906
57,303
Total liabilities and owners' equity 1,623,383
1,859,596
Percentage of liabilities applicable to overseas operations 39.4%
41.2%
For notes relating to this table refer to page 64.
63RBS Group 2010
Business review