RBS 2010 Annual Report Download - page 67

Statutory 2010 Statutory 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
30,146 369 1.22
30,403 554 1.82
Loans and advances to customers - UK 311,060 11,907 3.83 333,408 11,864 3.56
- Overseas
196,453 6,900 3.51
242,204 9,504 3.92
Debt securities - UK 66,735 1,467 2.20 53,955 1,466 2.72
- Overseas
64,011 1,837 2.87
71,152 2,711 3.81
Interest-earning assets -UK 400,373 13,597 3.40
408,736 13,608 3.33
- Overseas 290,610 9,106 3.13 343,759 12,769 3.71
Total interest-earning assets -banking business (2,3,5) 690,983 22,703 3.29
752,495 26,377 3.51
-trading business (4) 276,330 291,092
Interest-earning assets 967,313 1,043,587
Non-interest-earning assets (2,3) 704,891 979,893
Total assets 1,672,204 2,023,480
Percentage of assets applicable to overseas operations 44.1% 47.4%
Liabilities
Deposits by banks - UK 21,816 334 1.53 24,837 676 2.72
- Overseas
59,799 999 1.67
105,877 2,222 2.10
Customer accounts: demand deposits - UK 120,796 621 0.51 109,758 559 0.51
- Overseas
39,127 607 1.55
38,414 411 1.07
Customer accounts: savings deposits - UK 68,142 935 1.37 54,048 772 1.43
- Overseas
25,587 213 0.83
26,996 473 1.75
Customer accounts: other time deposits - UK 42,818 431 1.01 68,039 827 1.22
- Overseas
45,080 914 2.03
60,430 1,719 2.84
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 1,652 1.72
Subordinated liabilities - UK 19,998 480 2.40 26,710 852 3.19
- Overseas
9,336 252 2.70
10,333 457 4.42
Internal funding of trading business - UK (41,451) (140) 0.34 (60,284) (317) 0.53
- Overseas
(6,864) (41) 0.60 (14,845) (192) 1.29
Interest-bearing liabilities -UK 355,848 4,847 1.36
353,110 6,531 1.85
- Overseas 244,312 4,009 1.64 323,280 6,742 2.09
Total interest-bearing liabilities -banking business (2,3,6) 600,160 8,856 1.48
676,390 13,273 1.96
-trading business (4) 293,993 331,380
Interest-bearing liabilities 894,153 1,007,770
Non-interest-bearing liabilities:
Demand deposits - UK 29,022 16,456
- Overseas
23,994 27,149
Other liabilities (3,4) 648,129 914,802
Owners' equity 76,906 57,303
Liabilities and owners' equity 1,672,204 2,023,480
Percentage of liabilities applicable to overseas operations 41.3% 45.8%
For notes relating to this table refer to page 66.
65RBS Group 2010
Business review